malaysia travel insurance plan

Malaysia Travel Insurance

Travel insurance for malaysia.

In the beautiful country of Malaysia, Batu Caves is a sight to behold with its many temples and shrines, not to mention the gigantic statue of the Hindu God. Along with the Petronas Twin Towers and other tourist attractions, travelers are sure to enjoy a trip to breathtaking Malaysia. As you plan your incredible itinerary, it is important to remember travel insurance as it can help aid and support you on your travels. Let’s dive in!

• What should your Travel insurance cover for a trip to Malaysia? 

How Does Travel Insurance for Malaysia Work?

• Do I need Travel Insurance for Malaysia? 
• How much does Travel Insurance cost for Malaysia? 

Our Suggested AXA Travel Protection Plan

• What types of medical coverage does AXA Travel Protection plans offer?

Are There Any COVID-19 Restrictions for Travelers to Malaysia?

Traveling with pre-existing medical conditions , what should your travel insurance cover for a trip to malaysia.

At a minimum, your travel insurance should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage. AXA Travel Protection plans are designed with these minimum recommended coverages in mind.

• Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
• Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
• Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
• Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
• Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for Malaysia.

Malaysia has a reputation for being a fairly safe place to visit. However, it is important to learn which areas to avoid and practice safe traveling habits to prevent issues like pickpocketing and theft even in the safest areas. If a thief steals luggage from the baggage area, a travel insurance plan can help replace your bags and the contents inside them. Here is how travelers can benefit from an AXA Travel Protection Plan:

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Medical Benefits: 

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Additional Optional Travel Benefits 

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures. 

Do I Need Travel Insurance for Malaysia?

While the Malaysian government does not require travelers to purchase travel insurance , it offers valuable protection in an unfamiliar area where you may not speak the language or be able to find helpful resources.

You can breathe a sigh of relief knowing that your travel insurance plan backs you up if your travel plans go awry. Why? There are several reasons:

Trip Cancellation: You may not be able to control circumstances such as bad weather, a personal emergency, or an illness that prevents you from traveling. Travel insurance may reimburse you for 100% of the cost of your trip for eligible expenses.

Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.

Trip Interruption: Travel insurance may reimburse you for unexpected expenses due to an unexpected change of plans.

How Much Does Travel Insurance Cost for Malaysia?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans: 

• Total Trip cost:  The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc. 
• Age:  Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals. 

With AXA Travel Protection, travelers to Malaysia will be offered three tiers of insurance:  Silver,   Gold  and  Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs. 

AXA presents travelers with three travel plans – the  Silver Plan ,  Gold Plan , and  Platinum Plan , each offering different levels of coverage to suit individual needs. Given that United Kingdom hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses.

The Platinum Plan is a good choice for Malaysian travelers who want the benefit of extra coverage. For example, " Cancel for Any Reason " is an optional coverage that offers greater flexibility for those who have concerns have concerns about an unexpected cancellation. The Collision Damage Waiver coverage is also available as an option. This coverage pays for damage to a rental car being used during your Malaysia trip.

Golf enthusiasts may be disappointed if their golf game gets rained out or you cannot play for some other reason at one of Malaysia’s fine golf courses or country clubs. Nonetheless, coverage is available on the Platinum Plan for Lost Golf Rounds to reimburse your fees.

What Types of Medical Coverage Do AXA Travel Protection Plans Offer?

AXA covers three types of medical expenses:

• Emergency medical
• Emergency evacuation & repatriation
• Non-medical emergency evacuation & repatriation

Emergency medical: Can cover illnesses such as dengue fever, tuberculosis, or food poisoning. It may also cover injuries such as a broken appendage, injury due to a fall or other injury. Emergency evacuation and repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness. Non-medical emergency evacuation and repatriation: Can cover evacuation or repatriation expenses due to a non-medical event such as an earthquake, typhoon or volcanic eruption.

The Malaysian government has lifted all COVID-19 restrictions for travelers entering the country. They recommend travelers take normal precautions.

Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.  

Our Gold and Platinum  plans offer coverage for pre-existing medical conditions.  The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons, 

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plans with a pre-existing medical condition , so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation. 

1.Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.

2.When should I buy Travel Insurance to Malaysia?

It is advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14 days of making your initial trip deposit.

3.Do Americans need travel insurance in Malaysia?

No, travel insurance is not currently required to visit Malaysia, although you may find it valuable.

4.What is needed to visit Malaysia from the USA?

If you are visiting Malaysia from the USA, all you need is a passport that is valid for at least six months. The government also requires you to have at least one full page in your passport that is blank.

5.What happens if a tourist gets sick in Malaysia?

If you become sick in Malaysia, travelers with AXA Travel protection can contact the AXA Assistance hotline 855-327-1442 . Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

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Travel Insurance for Within Malaysia

As Malaysians, we need not go far for amazing travel experiences. Our very own country has a perfect balance of dense natural and urban jungles. From the crystalline waters of the Perhentian Islands to the majestic Petronas Twin Towers, Malaysia is a perfect vacation spot. Spend the day at the lush tea plantation in Cameron Highlands or trek through huge national parks like Gunung Mulu and Taman Negara where you are sure to encounter incredible wildlife. Let’s not forget the giant Borneo Island as it has so many must-see spots. At the Sepilok Orang Utan Rehabilitation Centre in Sabah, you’ll have the chance to watch the remarkable orang utans up close in their natural habitats. If you are there between 10am to 3pm, you’ll get to see the incredible animals being fed milk and bananas from the viewing gallery. Feeding time also attracts long-tailed macaques to the area. One of the best diving locations in the world happens to be in our very own country. Sipadan has diverse marine life and the most gorgeous tropical scenery. Everywhere you turn in Sipadan, you'll see turtles, munching on the sponges and algae, or lazing on the wall ledges. Let’s enjoy our country and savor all the different decadent cuisines and incredible cultures. You will truly fall in love with Malaysia all over again. Malaysia is generally quite warm so pack light clothes and casual footwear. If you are planning on taking a taxi to go around, it’s best to agree on a price upfront if it’s not a metered taxi. Buses are extremely convenient and inexpensive, while domestic flights can be booked for as low as RM100. Attractions in Malaysia are reasonably priced as well. Entries to most national parks are less than RM20 and you can even set up camp at Taman Negara for only RM5 a night. Street stalls have the best food in the country so head to any food court and have a feast. There is even a free walking tour with Airotour where you not only get to see incredible places but learn more about Malaysian history and culture. If you are feeling adventurous, you can attempt to hike through the majestic Mount Kinabalu National Park.

Speaking of insurance, it’s vital to take travel insurance within Malaysia so that you have peace of mind as you explore our exquisite country. If any troublesome mishaps occur, AIG has a comprehensive plan for you that will protect you and loved ones along your journey.

Why do I need Travel Insurance for Malaysia?

Calamities can happen when you least expect it, so it is pivotal to have a solid travel protection plan while you travel in Malaysia. It’s advisable to choose one that offers a comprehensive scope of coverage and goes beyond standard medical insurance. Even if you are heading to East Malaysia, AIG will take care of your Borneo adventures. The last thing you need to deal with after long domestic travel is missing or damaged luggage. With AIG’s all-inclusive coverage, rest easy that these misfortunes will be taken care of. You can rely on us to ‘Jaga’ you by reimbursing unnecessary expenses from unexpected circumstances.

Buy Travel Insurance for Malaysia with AIG

Did you know that you could buy travel insurance for domestic travel for as low as RM12 with AIG? The best part is, it only takes minutes to get a quote and make your purchase. Give yourself a peace of mind as all costs for canceled plans or any abrupt misfortunes are easily reimbursed should your reasons be covered by our policy. All it takes is a few clicks to have your safety, protection and concerns secured by AIG.

Our benefits include:

Comprehensive coverage

Besides overseas emergency medical expenses, medical evacuation costs and personal accident coverage, AIG will provide cover if you are forced to cancel or cut short your trip for reasons covered under our policy. Any flight departure delays, baggage delays, baggage damage or loss, personal items damage or loss due to theft or negligence by service providers, AIG will cover for you.

Medical & Personal Accident Cover

Depending on the plan and product purchased, AIG will cover up to unlimited medical expenses and up to RM 30,000 for personal accidents in Malaysia. Our travel assistance team is on call by phone 24/7 to assist you in any emergency situation, ensuring that you receive appropriate medical care in Malaysia.

Trip Cancellation Cover

AIG will reimburse you for non-refundable expenses incurred if your trip within Malaysia is cancelled due to specific events, within 60 days before your departure date.

Natural Disasters

If natural disasters occur in Malaysia such as earthquakes, floods or landslides, AIG will pay for expenses caused by these travel inconveniences.

Travel Inconvenience

If you experience travel inconveniences such as delays, loss or damage to your personal belongings, including your checked-in baggage, you will be covered by AIG.

AIG Global Assistance Service

Our 24-hour Emergency Assistance Team delivers fast and efficient aid if you are injured during an accident or if you are ill, requiring hospitalization in Malaysia.

Helplines during emergency in Malaysia

If you are insured with AIG when you travel within Malaysia, keep our 24/7 contact no.  603-27725600  with you at all times to process claims and medical emergencies.

Dial  999  for police and ambulance, and  994  for fire.

Contact details for AIG 24 Hours Travel Assistance: Phone:  +60 3 2772 5600

Want to know more about AIG Travel Insurance?

Read in detail about:  

- 24/7 Travel Assistance Service

- Download & Claims

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Top travel insurance.

Choose the right travel insurance plan for you and your family.

We found 44 travel insurance(s) for you!

Flight Care

Family plan, adult annual plan, senior citizen plan.

Tune Protect Travel Easy Annual Plan

Tune protect travel easy family plan, tune protect travel easy worldwide individual plan, tune protect travel easy domestic individual plan.

Travel Partner Individual

Travel partner family.

Bank Travel Insurance

TravelProtector

Travel SUpreme Plan A

Travel supreme plan b, care plan 1, care plan 2, care plan 3.

World Traveller Care Takaful Gold

World traveller care takaful silver, world traveller care takaful platinum, world traveller care takaful domestic.

SmartTraveller Annual

Travel Care Insurance Elite

Travel care insurance basic.

Travel Protection Plan B

Travel protection plan a, world traveller care international silver, world traveller care international gold, world traveller care international platinum.

Travel Insurance

Kembara Takaful Plan A

TravelNet Gold

Travelnet silver.

SmartTraveller Classic Plan

Smarttraveller vip plan, world traveller care domestic, kembara takaful plan b.

Generali Travel Online Cover

Read more about travel insurance, faqs what is travel insurance.

Travel insurance is a type of insurance policy that covers you and/or your family against injuries, disability, death and damages or inconveniences you may suffer as a result of travel-related incidents. It can also cover any damage to or loss of your luggage. Typically, a travel insurance policy offers only a once-off coverage, meaning you pay for coverage for one specific trip with a fixed timeframe, instead of for a series of trips over a certain period or a lifetime. However, there are also a small number of policies that provide annual coverage.

How Does Travel Insurance Work?

With a travel insurance policy, you pay a premium to the insurance company to be covered for specific scale of benefits and scope of coverage for a fixed period of time. In the event of loss/damage resulting from your travels, the insurance company compensates you and/or your family based on the benefits and scope of coverage you paid for.

What Does Travel Insurance Cover?

Different travel insurance plans have different coverage and scale of benefits. Generally, a travel insurance plan will cover personal accident, medical expenses, loss of travel or accommodation due to cancellation or delay, loss or delay of luggage, belongings and money, loss of passport, delayed travel, among others.

What Doesn't Travel Insurance Cover?

Almost all travel insurance plans have some form of exclusions to their coverage, which may differ across insurance companies. General exclusions from a typical travel insurance plan include war, riot, suicide and insanity, provoked murder or assault, pre-existing conditions, pregnancy, childbirth or miscarriage, hazardous sports, radiation, and HIV and AIDS related diseases.

Additionally, certain insurance companies may not offer coverage for people in high risk occupations, such as flight crew, seamen, train crew, mine workers, oil rig workers, aerial photographers, workers handling explosives and military or law enforcement officers.

As a general rule of thumb, you should always read and understand the full list of exclusions before you sign up for a travel insurance plan.

How To Claim For Loss/Damage?

To get compensated in the event of loss/damage, you'll need to submit a claim form as well as all supporting documents required to your insurance company within the timeframe stipulated in your travel insurance plan. To clear any doubts, you should contact your insurance company as soon as possible following an incident. Most travel insurance companies have a 24-hour hotline service, which is a good place to start.

How To Compare And Find The Right Travel Insurance?

As with all banking and insurance products, you are advised to compare the available travel insurance plans offered by major insurance companies before signing up for one. Because travel insurance plans could differ greatly between one and another, you may wish to focus on the items that are especially important for your travels (in addition to the standard benefits you get from a travel insurance). For example: if you are a travelling golfer, it pays to get a travel insurance plan that provides coverage for your golf equipment.

The easiest way to compare between all the major travel insurance plans available in Malaysia is to refer to our travel insurance comparison table above. You could also switch between Takaful and conventional travel insurance plans by clicking on Travel Insurance (Takaful) and Travel Insurance (Conventional).

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Compare The Best Travel Insurance In Malaysia

Your next vacation is approaching, but you still haven’t bought a travel insurance plan. Travelling without insurance can be risky, especially if you are caught up in unexpected situations before and during your trip. So, getting covered before something happens is always a good idea.

At Bjak, you can compare policies from Malaysia’s best travel insurance companies in one go and get the plan that best meets your needs and budget. Let us share the benefits of some of them to help you get started.

Etiqa provides complete coverage through its Takaful TripCare 360 ​​plan.

With an Aggregate Limit of Liability up to RM5,000,000 per certificate, it covers the following:

• Accidental death or permanent disability up to RM500,000
• Medical-related expenses up to RM500,000
• Loss or damage to your baggage up to RM5,000
• Flight delays of up to RM5,000
• Loss of travel documents up to RM1,500
• Alternative treatment expenses up to RM1,000 and more

Why choose Etiqa’s Takaful TripCare 360 plan?

• Cashless Medical Care – Letter of Guarantee for accident or illness during overseas trips. Admission to the hospital is free of charge (Coverage does not include pre-existing diseases).
• Loss of Baggage – Baggage claims of up to RM1000 based on the covered amount.
• Travel Delay – Get RM100 when your flight is delayed for 2 hours without submitting any claim.
• Covid-19 Add-on Coverage – Unexpected trip cancellations due to Covid-19 or being infected with Covid-19 while travelling

RHB’s comprehensive Annual Travel Protector plan compensates for accidental death, bodily injury or illness and travel inconveniences during your trips.

With a cover amount of up to RM3,000,000, you will receive compensation for:

• Accidental Death and Permanent Disability up to RM500,000
• Medical and other necessary expenses up to RM600,000
• Emergency Medical Evacuation & Repatriation up to RM3,000,000
• Luggage & Personal Items up to RM7,500
• Trip Cancellation or Curtailment up to RM40,000 and more

Why choose RHB’s Annual Travel Protector plan?

• Covers Covid-19 medical expenses
• Offers hospital allowance of up to RM500 per day
• Hijacking Inconvenience and Full Terrorism Cover

Tokio Marine

Tokio Marine’s Explorer plan is one of the best travel insurance in Malaysia as it offers complete coverage, including hospitalisation and inconveniences caused by Covid-19 and lifestyle cover.

The plan provides compensation of up to RM1,000,000, including:

• Personal Accident up to RM500,000
• Medical and Related Expenses up to RM1,000,000
• Personal luggage and effects up to RM8,000
• Hospitalisation due to Covid-19 up to RM500,000
• Emergency evacuation as charged or up to RM1,000,000 and more

Why choose Tokio Marine’s Explorer Insurance plan?

• High sum insured up to RM1,000,000 for medical expenses
• Coverage for trip cancellation and travel delay
• Cashless admission for accidental injury
• Emergency travel assistance 24/7

Pacific Insurance

Travel worry-free with the Travel Pro insurance plan from Pacific Insurance.

The plan covers up to RM3,000,000 for the following:

• Death or Permanent Disablement up to RM500,000
• Medical & Other Expenses up to RM1,000,000
• Alternative Medicine up to RM3,000
• Unlimited Emergency Medical Evacuation & Repatriation
• Personal Liability up to RM3,000,000
• Trip Curtailment up to RM75,000 and more

Why should you choose Travel Pro by Pacific Insurance?

• Compensation of up to RM2,000 for loss of credit card
• Child Care benefits up to RM800 per day (maximum of RM30,000)
• Additional coverage for loss of use of Entertainment Ticket and rental car excess cover

Zurich’s Z-Travel insurance plan also provides competitive coverage and benefits for policyholders.

With a cover amount of up to RM1,000,000, you will receive cover:

• Accidental Death & Permanent Disability up to RM500,000
• Unlimited Medical Expenses for Diamond Plan customers
• Unlimited Medical Evacuation and Repatriation for all plans
• Baggage & Personal Effects RM5,000
• Personal Liability up to RM1 million
• Emergency Cash up to RM5,000 and more

Why choose the Z-Travel Insurance plan by Zurich?

• It has four different levels of cover types to choose from
• Miscellaneous benefits such as home care, pet care, wakaf and more
• Covid-19 add-on option and coverage up to RM500,000

Best Travel Insurance In Malaysia

Travel insurance is important, especially if you’re considering an overseas vacation. Currently, Bjak lets you compare the travel insurance policies from 10 different companies for free.

It makes planning your trip much more efficient as you don’t have to visit each website individually. So, wait no more. Visit Bjak today!

Bjak is one of Malaysia’s biggest insurance comparison websites, offering policies from over 10 brands. Get your free insurance quote from Bjak today!

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TripCare 360 Insurance

Flight delayed get cash payout for delays of 2 hours or more..

Get covered for international and domestic travel delays, loss of baggage, medical emergencies and other travel inconveniences.   25% rebate when you buy this plan online. Use our  calculator  to get an estimate of how much you would spend on your travel insurance or takaful.

What's Included

• Cashless Overseas Medical Care
• Baggage Delay
• Travel Delay
• Loss of Valuables
• Loss of Travel Documents
• Death or Permanent Disability
• 24/7 Hotline
• Additional Adventurous Activity Coverage
• New  Additional COVID-19 Coverage

Key Benefits

Enjoy extra peace of mind on your overseas trip by adding Covid-19 coverage to your TripCare 360 plans, with an additional premium.

25% rebate when you buy this plan online.

Help & support, find out what is covered under travel insurance or takaful., 4:3 responsive aspect ratio.

What our customers say about us

The only people whose opinions we value and learn from are our customers.

 I submitted a claim under my travel insurance policy with documents in the morning and to my absolute amazement the claim was paid in the afternoon. In all my years in dealing with insurance companies I have never encountered such efficiency in dealing with claims and I thank the staff of Etiqa involved in processing my claim. Etiqa should be the insurance of choice for everyone 

 It was truly a wonderful experience with the Etiqa customer service at Dataran Maybank. Recently, I went to purchase a travel insurance for my family. The staff at the Customer Service counter was really helpful and friendly. It took me less than 10 mins to get it done. Thumbs up Etiqa! 

 It was such an unpleasant experience when I lost my purse due to theft in Halstatt, Austria last December. However, travel insurance from Etiqa definitely came to the rescue. Upon submission the report to Customer Experience Department of Dataran Maybank, they processed the claim promptly and I received the insured amount ie rm1500 within a few days. What an excellent experience! I subscribed to the same plan for my recent Edinburgh getaway and will definitely subscribe again for my next escapade. 

Tripcare-360 Downloads

Tripcare 360.

• TripCare 360 Benefits (Infographic)
• TripCare 360 Insurance Policy Contract
• Product Disclosure Sheet TripCare 360 Insurance
• TripCare 360 Insurance Product Information

Underwritten by Etiqa General Insurance Berhad (197001000276) (Licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia)

© 2023 Etiqa. All Rights Reserved.

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Key Benefits

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travel prohibition to Israel is imposed by the Government of Malaysia on all Malaysia citizens. As a Malaysia citizen, if you choose “Israel” as your travel destination in our system, you must obtain all the necessary approvals/permits from the Malaysia authorities before purchasing the insurance. Your claim(s) under the insurance policy (if any) may still be subject to the applicable sanction restrictions and the Sanctions Exclusion clause applicable to the insurance policy. If you fail to obtain the necessary approvals/permits, your claim(s) may be fully or partially rejected and/or be subject to the applicable sanctions restrictions and our rights are reserved.

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The services under Medical Emergencies are provided upon the specified terms and conditions of the policy and are available only when the Insured Persons are on a Journey.

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197001000564 (9827-A) Head Office: Wisma Chubb 38 Jalan Sultan Ismail 50250 Kuala Lumpur Malaysia

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For 24-hours emergency assistance, call (+603) 7628 3703

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©   Chubb Insurance Malaysia Berhad. Chubb Insurance Malaysia Berhad is licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia. This policy is underwritten by Chubb Insurance Malaysia Berhad. Full details of the terms, conditions and exclusions of this insurance are provided for in the  Policy Coverages . Please read our  Privacy Notice  and the  Product Disclosure Sheet .

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Best travel insurance plans for 2024: a unique and comprehensive list for travelers from international citizens insurance.

Including the Best Plans for Seniors, Global Nomads, Visitors to the USA, Pets, Adventure Sports Addicts and More

BOSTON, MA / ACCESSWIRE / May 2, 2024 / International Citizens Insurance, a leading international insurance broker, has announced the best travel insurance plans for 2024 summer travel. As the cost of airfare and hotels continues to rise along with the increase in flight delays and cruise cancellations, this list could not have come at a better time for travelers looking to protect their travel plans and their finances.

"This summer's travel season promises a high level of demand, increasing costs, and a strong potential for travel disruptions due to political unrest, weather, and other factors," said Joe Cronin, President of International Citizens Insurance. "Our clients want travel insurance they can trust to help them if they suffer a cancellation, a medical emergency, lost luggage, a natural disaster, or have to change plans due to unforeseen events. With this list, they will be able to find the best overall travel insurers as well as the right plans for their individual needs."

International Citizens Insurance judged each company and plan on six key criteria: the user-friendliness of their site, the ease of policy purchase, the number of countries plans are offered in, how extensive the benefits are, the ease of making a claim and the quality of the company's customer service. The most trusted insurers include WorldTrips , who made history as one of the first insurers to offer plans for purchase over the internet; GeoBlue Travel Insurance , which supports seniors with coverage for people up to 84 years old; and Trawick International, which offers coverage for over 500 adventure sports activities.

To help customers find the best insurance for their specific needs, International Citizens Insurance has also identified the best insurance for several use cases, including Cancel for Any Reason (CFAR) insurance, travel medical plans, and insurance with coverage for pets. International Citizens Insurance has also identified the best plans for clients with special needs, including seniors, missionaries and volunteers, U.S. citizens abroad, and digital nomads.

In today's unpredictable world, travel insurance has become the most essential accessory for any international traveler. Travelers want trip cancellation insurance to protect their trip and travel medical insurance plans to protect their health. But with so many companies out there, which ones can you trust?

Learn more about the best travel insurance companies at https://www.internationalinsurance.com/travel-insurance/best-companies.php .

About International Citizens Insurance

International Citizens Insurance is the insurance division of International Citizens Group. We provide educational content, reviews, and unique comparison engines that enable travelers and expatriates to research, quote, compare, and purchase global life, travel, and international health insurance from various carriers.

Contact Information

Joe Cronin President [email protected] 617-500-6738

Andrew Blomberg Vice President, Global Group Benefits [email protected] (339) 221-5190

SOURCE: International Citizens Insurance

View the original press release on newswire.com.

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It is compulsory for every student entering Malaysia to have a medical insurance. All international students must be covered by a locally purchased medical health insurance scheme. You will be insured from the date you enter Malaysia if you inform your institution of the date as soon as you arrive.

An international student, through his/her educational institution, can opt to either one of the following Medical Insurances offered by

Etiqa Family Takaful Berhad (EFTB)

Great Eastern Takaful Berhad (GETB)

• The Pacific Insurance Berhad (TPIB)

The insurance package provided meets the minimum coverage requirements set out by the Ministry of Higher Education (MOHE).

• Etiqa- Medical Insurance packages
• Great Eastern - Medical Insurance Packages
• The Pacific - Medical Insurance Packages

EDUCATIONAL INSTITUTIONS

Education institutions in Malaysia are permitted to organize directly/indirectly with insurance companies to offer Medical and Health Insurance to international students, provided such Medical Insurance meets the requirements set out by the MOHE. In this case, kindly contact the institution for details regarding the packages offered and insurance premiums applicable.

INSURANCE TOP-UP

Students are reminded that it is compulsory for them to have a valid medical insurance plan throughout the period of study. International students whose medical and health insurance cover period expires prior to the expiry of their existing student pass are required to top up/extend their insurance. This top up/extension should be sufficient to cover the period up to the expiry of their existing student pass or a maximum of 12 months from the insurance start date, whichever is lower.

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Education Malaysia Global Services is a Company Limited by Guarantee (“CLBG”) under

the purview of the Ministry of Higher Education Malaysia

FinanceBuzz

8 Reasons It’s Worth It To Buy Travel Insurance (And 6 Times To Skip It)

Posted: July 12, 2023 | Last updated: April 7, 2024

Life is full of unexpected events and complications, and that doesn’t stop just because you’re traveling. If anything, travel may have even more surprises than your day-to-day life at home.

Travel insurance can help you avoid wasting money if you have to cancel a trip due to illness, need medical coverage while you’re traveling, or send you home for medical reasons.

However, it may not always be necessary and can sometimes be a waste of money. Keep reading to learn when you should and shouldn’t opt for travel insurance.

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Safety net for international travel

The number one reason people buy travel insurance is to cover an expensive trip. And if you’re traveling overseas, chances are your travels will cost a lot of money.

In addition, there are potential complications when it comes to international travel, from losing luggage during connecting flights, missed or canceled flights, sickness, and more.

And if something catastrophic happens in a foreign country, travel insurance provides evacuation so you can get home safely.

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Medical coverage

Getting sick or injured is unpleasant enough when you’re in the comfort of your home, but it’s a new beast entirely when you’re abroad.

Generally, you can expect basic medical expenses to be covered through your travel plan, often including dental. Medicare will not cover medical expenses in a foreign country. If you’re traveling overseas, travel insurance for potential medical costs is worthwhile.

Cover rental car mishaps

Renting a car is a great way to get around when traveling because you can explore a place on your own. Using taxis or ride-share services may cost more money. However, even the best drivers make mistakes, and no one can protect themselves from reckless drivers.

Your U.S. car insurance won’t cover you when driving in a foreign country. So choosing the car-rental insurance option when you buy travel insurance may be a good move.

Be aware that most travel insurance rental-car plans cover collisions and may not cover medical expenses, damages to other cars or property, or personal property damage or loss.

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Pre-existing conditions often aren’t covered

Unfortunately, as with many health insurance plans, travel insurance often won’t cover pre-existing conditions. Travel health insurance is usually meant for unforeseen illnesses or injuries instead of complications due to an existing medical issue.

Even travel insurance companies that cover pre-existing issues often only cover physical maladies and exclude mental conditions and typical pregnancy-related symptoms and complications.

Protect lost luggage

A big fear for travelers is losing their luggage, either having it not arrive at the destination or stolen during their trip. Most airlines will offer reimbursement for luggage they lose, but it can take quite a while for this to process.

Travel insurance will cover the cost of replacing your clothing and other items while you wait for your luggage to be located and can also cover theft and damage.

Cover valuable items and gear

You should consider buying travel insurance if you’re traveling with valuables, including expensive jewelry, art, or even pricey sporting or adventure gear.

You’ll need to talk to the insurance agency specifically about covering your valuables, as they may need to be insured separately. Depending on your homeowners insurance policy, your jewelry may be covered even when you travel.

Sporting goods, including golf clubs, will not be covered by your homeowners insurance if you’re traveling, so you will need travel insurance to replace them if they’re lost, damaged, or stolen.

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Emergencies happen

While we do our best to prepare for the worst-case scenario, we can’t stop life from happening. Things like medical emergencies, a death in the family, or other catastrophes can halt your travel plans.

If you have travel insurance, rescheduling or cancellation fees will be covered, allowing you to deal with the emergency at your own pace. You won’t have to worry about losing the money spent on the trip and subsequent fees.

Natural disaster coverage

Are you planning a fall trip to the Gulf Coast or Florida? Consider your travel destination and the time of year you're going.

If you’re visiting someplace prone to natural disasters, especially seasonal occurrences like tornadoes, hurricanes, wildfires, and such, travel insurance can help you recoup your money should these events interrupt your travel plans.

Similarly, if a natural disaster occurs during your trip, often, insurance will pay to move you to a more secure location.

Extreme adventures may not be covered

Your insurance will most likely cover typical travel-related injuries but don't expect your medical bills to be covered if your itinerary involves extreme adventures or dangerous exploits.

Surfing, sailing, kayaking, bungee jumping, scuba diving, skiing, snowboarding, and other extreme sports do not fall into everyday illnesses or injuries. For these activities, consider getting a specific plan for adventure activities.

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Shaky travel companies

If you booked your trip through a travel company and it goes bankrupt, travel insurance may provide a safety net to ensure you get your money back.

Airlines, cruise ships, travel companies, and other travel-related businesses suffered during the pandemic, and many may not be on solid financial ground yet.

This may not be covered in a basic insurance plan, so make sure your agent adds financial default coverage if you are concerned about the health of your travel provider. 

In the situation any company or organization closes or is otherwise inoperable during your trip, you’ll be covered.

Now let’s look at times you may not need travel insurance.

Your credit card offers travel protections

Before purchasing travel insurance, consider which credit card you have. Many of the top credit cards  offer travel protections.

Some protections you may already have include lost luggage, rental car insurance, trip delay, and trip interruption or cancellation.

Credit card programs often don’t cover medical or other interruptions, so consider your priorities before choosing this option.

You have a domestic trip

If you’re traveling within the U.S. and its territories, travel insurance may not be necessary. For example, you won’t need medical coverage as your health insurance should be honored nationwide.

Domestic travel is also usually much less expensive. If you’re taking a cheap, last-minute, or nonstop flight and staying at an inexpensive hotel or rental, the cost of travel insurance may not be worth it.

One exception might be a family trip to Disney World. The estimate for a trip for a family of four in 2023 is more than $6,000, so travel insurance might be money well spent in this case.

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Don’t add expense to cheap trips

Not all travel is planned. Whether traveling for work, a family emergency, or just a last-minute vacation, you likely don’t need insurance in these circumstances. Odds are, you’re packing light, and both your flight and hotel are relatively inexpensive.

In these scenarios, the things insurance covers won’t be relevant, including baggage loss, flight cancellations, hotel issues, and so on. 

Not only will these costs likely be minimal, but they can be disputed with your airline or hotel, although it may take a little while to get your money back.

The airline has a flexible rebooking policy

If you’re buying travel insurance to cover the cost of rescheduling a flight, you’re better off purchasing a refundable ticket at a higher price. And some airlines have more flexible policies now.

Many airlines allow last-minute ticket changes and will even help you reschedule your flight within a specific timeframe. The timeframe and policy vary by airline, and you may be subject to a nominal cancellation or rebooking fee, but it will be significantly less than insurance.

Insurance will not cover political unrest

One emergency situation insurance probably won’t cover is war or political unrest. If you’re visiting a location with political tensions and your trip is canceled as a result, don’t expect your insurance to cover the costs.

Insurance companies generally follow the travel advisories the U.S. State Department issued for medical and political situations.

Similarly, insurance won't cover these costs if you have to leave your trip early for safety concerns. Consider your destination's political environment before booking your travel or buying insurance.

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Your hotel may cover cancellations

Many hotel cancellation policies have tiers depending on the booking you make. For example, some may have free cancellation within a specific period, while others charge different rates for rooms booked as non-refundable or partially refundable.

If your sole reason for purchasing insurance is hotel flexibility, consult with the hotel before you book. They may have a policy as flexible as your insurance or can work with you should something unexpected arise.

Penalty-free cancellations for major hotels tend to be around 24-48 hours prior to arrival.

Bottom line

Travel insurance may be pricey, but it’s a lifesaver in many situations. However, in others, it’s overkill and a waste of money.

Every travel situation is different, so consider your specific needs when purchasing. And, if you want more money to cover your insurance, consider these ways to make extra cash for travel funds.

More from FinanceBuzz:

• 7 things to do if you’re barely scraping by financially.
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