You purchased your flight ticket, booked your hotel, and planned the itinerary.
But have you thought of travel insurance? Among all the fancy planning for a great voyage, people tend to forget about travel insurance.
So what is it?
Table of Contents
What is Travel Insurance?
Travel insurance is a specialised coverage designed to meet the specific hazards of travelling.
It is a precaution, shielding travellers from unanticipated costs such as medical problems, misplaced luggage, or trip delays.
Choosing the best travel insurance in Malaysia offers a simpler and worry-free experience for anyone planning a vacation from or inside Malaysia.
Why Do I Need The Best Travel Insurance in Malaysia?
Travelling overseas is fraught with uncertainty for Malaysians. Even for domestic travel, while Malaysia’s tropical weather is appealing, it can sometimes cause unexpected disruptions.
Having the best travel insurance in Malaysia assures you won’t have to shoulder the bills alone if you get trapped in a storm on the islands or have a medical emergency while trekking up Gunung Kinabalu.
Whether domestic or worldwide, plans can change due to personal situations or global events. With what the best travel insurance in Malaysia can offer, you won’t have to worry much and focus on making golden memories.
“But…which one is the best?” you asked.
How To Choose The Best Travel Insurance in Malaysia?
With so many insurance policies out there, you need to do your study to find the most suitable for you.
With the correct considerations, however, you can build a policy that suits your needs, ensuring that your excursions, whether near or far, are adequately insured. As a result, choosing the best travel insurance Malaysia has to offer necessitates carefully evaluating several variables.
Keep the following critical factors in mind when deciding to provide proper protection:
Destination
When choosing Malaysia’s best travel insurance, your journey destination comes first. Different locales present different risks and challenges.
For example, if you’re travelling within Asia, you might concentrate on local health dangers. In contrast, visits to Europe or North America may prioritise hefty medical bills.
Check that your insurance is region-specific and tackles any potential issues of your chosen trip.
Number of Individuals
The number of people travelling with you greatly impacts your insurance selection.
Solo travellers have distinct needs from families or groups.
If you travel in a group, the best travel insurance in Malaysia should include group or family packages, often less expensive than individual plans.
It is critical to ensure that each travel group member is appropriately insured, considering their unique requirements.
Travelling Period
The length of your journey is critical in establishing your insurance requirements.
A basic policy may be sufficient for short journeys. On the other hand, extended stays necessitate more comprehensive coverage that protects a longer length of time.
Consider annual insurance policies given by Malaysia’s best travel insurance companies if you travel frequently.
These are frequently more cost-effective and convenient than obtaining insurance for each individual trip.
Travel Insurance Coverage
When looking for the best travel insurance Malaysia offers, it’s critical to understand the policy’s coverage and exclusions. Let’s have a better understanding.
What is Covered?
The following are typical inclusions from the best travel insurance in Malaysia:
- Medical Emergencies: Take care of hospital fees, treatments, and sometimes medical evacuations if you become ill or wounded while travelling.
- Trip Interruptions or Cancellations: Protect your investment if you change your plans due to unforeseen occurrences.
- Lost or Delayed Baggage: Offering recompense for lost items and covering necessary purchases if your luggage is temporarily misplaced.
- Travel Delays: Assisting with costs incurred due to unplanned delays, such as lodging or meals.
- Personal Liability: Providing financial protection if you inadvertently cause harm or injury to someone else while travelling.
- Accidental Death or Dismemberment: A sombre but important provision offering recompense in the event of serious injury or death.
What is Not Covered?
While travel insurance provides comprehensive coverage, certain scenarios are often excluded from ordinary policies. Be mindful of the usual exclusions when navigating the best travel insurance in Malaysia offers:
- Pre-existing Medical Conditions: Treatments associated with previously known conditions may not be covered unless expressly stated.
- High-Risk Activities: Are you into high-adrenaline activities like bungee jumping or skydiving? They may require further protection.
- Conflict Areas: Travel to areas experiencing civil turmoil, conflict, or significant security threats is typically not covered.
- Irresponsible Behavior: Intoxication, for example, can render certain portions of your coverage null and void.
- Undeclared Items: If you’re transporting high-value things, you must declare them, or they may not be safeguarded.
- Visa Issues: A trip cancelled due to visa refusal or other documentation concerns are usually not covered.
What is The Best Travel Insurance in Malaysia?
- Etiqa TripCare 360 Insurance: Etiqa TripCare 360 offers complete travel protection, emphasising quick claims and broad coverage for various travel disasters.
- RHB Annual Travel Protector Insurance: RHB’s Annual Travel Protector provides all-year coverage, making it suitable for regular travellers looking for comprehensive coverage for several journeys.
- Tokio Marine Annual Explorer: Tokio Marine Explorer provides foreign coverage emphasising medical costs, travel hassles, and personal accidents.
- Pacific Travel Pro Insurance: Pacific Travel Pro tailors its plans to modern travellers, offering various solutions from basic to premium for various travel requirements.
- Zurich Z-Travel Insurance: Zurich Z-Travel provides comprehensive coverage with distinctive features such as emergency medical evacuation, allowing travellers to travel confidently.
- Allianz Travel Care: Allianz Travel Care from Allianz Bank Malaysia offers comprehensive coverage for personal accidents, medical emergencies, and travel difficulties.
Rest assured of these companies’ credibility. Aside from the best travel insurance in Malaysia, they also provide some of the best car insurance in Malaysia and e-hailing insurance.
1. Etiqa TripCare 360 Insurance
Etiqa TripCare 360 Insurance is a comprehensive travel protection package that meets various travel requirements.
It covers medical emergencies, journey interruptions, and personal injuries. It is well-known for its quick claim processing, ensuring policyholders receive timely assistance.
With global assistance available 24 hours a day, travellers may get aid no matter where they are.
Individuals, families, and groups can all benefit from the plan’s flexibility and peace of mind.
Premium
Domestic
| Plan | Individual (RM) | Couple (RM) | Senior (71 to 80 Years) (RM) | Family (RM) |
| 1- 5 days | 14.70 | 28.10 | 47.75 | 35.25 |
| 6 – 10 days | 22.20 | 42.40 | 72.15 | 53.20 |
| 11 – 18 days | 31.70 | 60.55 | 103.05 | 76.00 |
| 19 – 30 days | 36.70 | 70.20 | 119.45 | 88.10 |
Asia
| Plan | Individual (RM) | Couple (RM) | Senior (71 to 80 Years) (RM) | Family (RM) |
| 1- 5 days | 21.40 | 40.90 | 69.60 | 52.55 |
| 6 – 10 days | 36.65 | 60.45 | 102.9 | 75.30 |
| 11 – 18 days | 50.00 | 95.50 | 162.5 | 119.5 |
| 19 – 30 days | 58.45 | 111.65 | 190.00 | 150.20 |
Worldwide
| Plan | Individual (RM) | Couple (RM) | Senior (71 to 80 Years) (RM) | Family (RM) |
| 1- 5 days | 28.55 | 54.50 | 92.80 | 70.10 |
| 6 – 10 days | 42.20 | 80.60 | 137.20 | 100.45 |
| 11 – 18 days | 66.65 | 127.35 | 216.70 | 159.35 |
| 19 – 30 days | 77.95 | 148.85 | 253.30 | 200.25 |
Special Highlights
- Comprehensive Coverage: Etiqa TripCare 360 is intended to provide complete coverage for various travel-related risks and accidents.
- Trip Cancellation/Interruption: Coverage for non-refundable trip expenses if your trip must be cancelled or interrupted due to covered causes such as sudden illness, injury, or certain unforeseen incidents.
- Medical Expenses: If you have a medical emergency while travelling, you will be covered for medical care, hospitalisation, and emergency medical evacuation.
- Baggage Loss/Delay: Compensation for lost, stolen, or delayed baggage, as well as coverage for critical items if your baggage is delayed for an extended period of time.
- Travel Delays: The policy will cover your lodging, meal, and transportation expenses with reimbursement should there be any travel delays over which you have no control.
- Emergency Assistance: During your journey, you can access a 24-hour helpline for medical support, travel information, and emergency services.
- Personal Liability: Coverage for legal fees and damages if you cause bodily harm or property damage to others while on vacation.
- Optional Add-Ons: Depending on the plan, you may be able to add services such as adventure sports coverage, rental car insurance, and more.
- Coverage for Pre-Existing Medical Conditions: Subject to specific circumstances, certain plans may provide coverage for pre-existing medical issues.
2. RHB Annual Travel Protector Insurance
RHB Annual Travel Protector Insurance is designed for regular travellers, covering many journeys throughout the year.
This policy protects you against medical emergencies, travel problems, and personal accidents.
Its yearly structure means a one-time payment for ongoing coverage, making it convenient for frequent travellers.
Policyholders can rely on global assistance 24 hours a day, seven days a week.
Many Malaysian travellers like it because of its extensive features and the simplicity of annual coverage.
Premium
| Premium per insured Person | Advance Plan (RM) | Supreme Plan (RM) |
| Region 1 | 284 | 401 |
| Region 2 | 369 | 542 |
| Region 3 | 435 | 638 |
Premiums shown are subject to a 6% service tax. Please take note that RM10 of stamp duty shall be charged.
Note:
Region 1: Malaysia (Travel from Peninsular Malaysia to East Malaysia or vice-versa only), Brunei, China, Hong Kong, Cambodia, Laos, Macao, Singapore, Myanmar, Indonesia, South Korea, Japan, Taiwan, Thailand, Vietnam, Timor Leste, Philippines
Region 2: Worldwide, excluding the United States of America (USA) and Canada.
Region 3: Worldwide, including the United States of America (USA) and Canada.
Special Highlights
- Year-Round Protection: One subscription covers many journeys over the course of the year.
- Comprehensive Coverage: Medical emergencies, travel inconveniences, and personal accidents are all covered.
- 24/7 Global Assistance: During travels, immediate assistance is available at all times and from any location.
- Hassle-Free: The annual structure avoids renewing policies before each trip.
- Flexible Plans: There are options for both solitary and family travellers.
3. Tokio Marine Annual Explorer
Tokio Marine Annual Explorer is designed for regular travellers, providing continuous coverage for various journeys throughout the year.
On a global scale, the plan provides comprehensive coverage, including medical bills, travel hassles, and personal accidents.
Because it is a yearly policy, it provides the simplicity of a single payment for a full year of coverage, avoiding the need for several policy purchases.
Policyholders are assured of assistance in any part of the world with 24-hour international assistance.
Also, Tokio Marine’s global reputation ensures dependability and peace of mind for its passengers.
Premium
| Premium per insured Person | P500 | P325 | P500 | P325 |
| Adult (RM) | Senior (RM) | |||
| Region 1 | 435 | 347 | 677 | 545 |
| Region 2 | 616 | 487 | 807 | 649 |
| Region 3 | 927 | 731 | 947 | 762 |
Premiums shown are subject to 6% service tax. Please take note that RM10 of stamp duty shall be charged.
Note
Region 1: Malaysia (Travel from Peninsular Malaysia to East Malaysia or vice-versa only), Brunei, China, Hong Kong, Cambodia, Laos, Macao, Singapore, Myanmar, Indonesia, South Korea, Japan, Taiwan, Thailand, Vietnam, Timor Leste, Philippines
Region 2: Worldwide, excluding the United States of America (USA) and Canada.
Region 3: Worldwide, including the United States of America (USA) and Canada.
Special Highlights
- Global Coverage: International destinations are covered, giving you peace of mind.
- Diverse Protection: Medical bills, travel inconveniences, and personal accidents are all covered.
- 24/7 Assistance: Travellers can get help around the clock, no matter where they are.
- Flexible Plans: Options for many forms of travel, whether for work or pleasure.
- Reputation: Tokio Marine is a reputable insurance company that has earned the trust of many
4. Pacific Travel Pro Insurance
Pacific Travel Pro Insurance is a versatile travel protection solution designed to meet the needs of modern travellers.
The plan provides various coverage options, from basic essentials to more premium protections, for medical emergencies, travel interruptions, and personal accidents. It is designed to meet various travel needs and budgets by providing value and comprehensive protection.
The 24-hour global help assures that travellers are never alone, regardless of location.
Its plan’s flexibility makes it a top choice for travellers looking for both budget and comprehensive coverage.
Premium
Asia
| Plan | Platinum (RM) | Gold (RM) | Silver (RM) | Hebat (RM) | ||||
|---|---|---|---|---|---|---|---|---|
| Individual | Family | Individual | Family | Individual | Family | Individual | Family | |
| 1- 5 days | 67 | 165 | 44 | 95 | 30 | 59 | 18 | 44 |
| 6 10 days | 82 | 208 | 51 | 126 | 35 | 84 | 22 | 54 |
| 11 – 18 days | 125 | 335 | 71 | 196 | 47 | 126 | 32 | 79 |
| 19 – 31 days | 165 | 420 | 95 | 250 | 66 | 163 | 43 | 103 |
Worldwide
| Plan | Platinum (RM) | Gold (RM) | Silver (RM) | |||
|---|---|---|---|---|---|---|
| Individual | Family | Individual | Family | Individual | Family | |
| 1- 5 days | 118 | 300 | 73 | 166 | 48 | 100 |
| 6 10 days | 147 | 370 | 89 | 224 | 61 | 148 |
| 11 – 18 days | 213 | 585 | 134 | 344 | 92 | 235 |
| 19 – 31 days | 283 | 750 | 182 | 469 | 131 | 335 |
Special Highlights
- Versatile Options: Plans range from basic to luxury, providing a variety of traveller requirements.
- Broad Coverage: Medical crises, travel difficulties, and personal mishaps are all covered.
- 24/7 Global Support: Continual aid is offered for travellers, regardless of their location.
- Adaptable Plans: Designed for both solitary and group travellers.
- Affordability: Competitive pricing that delivers value without sacrificing coverage.
5. Zurich Z-Travel Insurance
Zurich Z-Travel Insurance is a well-organized package designed to address various travel issues.
Travellers can confidently travel because coverage includes medical emergencies, trip interruptions, and personal accidents.
Its standout feature is the emergency medical evacuation capability, which ensures safety in severe health conditions.
Besides, Zurich’s 24-hour global assistance strengthens the plan by providing rapid assistance whenever and wherever required.
Premium
Domestic
| Plan | Z-Travel Insurance | |||||
|---|---|---|---|---|---|---|
| Basic Plan (RM) | VIP Plan (RM) | |||||
| Individual | Individual & Spouse | Family | Individual | Individual & Spouse | Family | |
| 1 – 5 days | 9 | 18 | 24 | 11 | 21 | 28 |
| 6 – 10 days | 12 | 23 | 31 | 15 | 29 | 38 |
| 11 – 15 days | 18 | 34 | 45 | 22 | 42 | 56 |
| 16 – 20 days | 23 | 43 | 57 | 28 | 53 | 71 |
International
| Duration | Z-Travel Insurance (Silver Plan) | |||
| Individual | Individual & Spouse | Family | Senior | |
| Area 1 (RM) | ||||
| 1 – 5 days | 45 | 85 | 113 | 81 |
| 6 – 10 days | 56 | 104 | 138 | 101 |
| 11 – 15 days | 95 | 175 | 232 | 171 |
| 16 – 20 days | 124 | 228 | 302 | 224 |
| Area 2 (RM) | ||||
| 1 – 5 days | 63 | 118 | 156 | 113 |
| 6 – 10 days | 77 | 146 | 192 | 141 |
| 11 – 15 days | 132 | 248 | 326 | 242 |
| 16 – 20 days | 173 | 323 | 425 | 317 |
| Area 3 (RM) | ||||
| 1 – 5 days | 82 | 155 | 205 | 147 |
| 6 – 10 days | 101 | 191 | 255 | 182 |
| 11 – 15 days | 172 | 324 | 434 | 307 |
| 16 – 20 days | 225 | 423 | 568 | 400 |
Area 1: Australia, Bangladesh, Bhutan, Brunei, Cambodia, China [excluding Tibet & Mongolia (Inner & Outer)], Hong Kong, India, Indonesia, Japan, Korea, Laos, Macau, Maldives, Myanmar, New Zealand, Pakistan, Philippines, Singapore, Sri Lanka, Taiwan, Thailand, Vietnam.
Area 2: Worldwide excluding Canada, Mongolia (Inner & Outer), Nepal, Tibet and USA.
Area 3: Worldwide.
Special Highlights
- Comprehensive Coverage: Provides coverage for medical emergencies, journey interruptions, and personal calamities.
- Emergency Medical Evacuation: Ensures prompt and safe transportation during medical emergencies.
- 24/7 Assistance: Provides 24-hour global assistance for any travel-related difficulties.
- Multiple Plan Options: They cater to traveller needs, ranging from the basic to the upscale.
- Reputable Brand: Zurich’s global presence and acknowledged insurance expertise back it up.
6. Allianz Travel Care
Allianz Travel Care provides a strong travel insurance solution for people seeking comprehensive trip coverage.
The plan protects travellers from unanticipated events such as medical emergencies, travel delays, and personal injuries.
One of its distinguishing advantages is its quick claim processing, which ensures that travellers are inconvenienced as little as possible during unexpected incidents.
With global assistance available 24 hours a day, help is always available, ensuring peace of mind.
The reputable Allianz brand offers it and combines high insurance with exceptional customer care, making it a popular choice for many travellers.
Premium
Domestic
| Plan | Individual (RM) | Children (RM) | Senior (71 to 80 Years) (RM) | Family (RM) |
| 1- 5 days | 19 | 10 | 29 | 57 |
| 6 – 10 days | 28 | 16 | 37 | 73 |
| 11 – 15 days | 36 | 20 | 49 | 96 |
| 16 – 22 days | 46 | 24 | 63 | 129 |
| 23 – 30 days | 55 | 29 | 72 | 157 |
Asia
| Plan | Individual (RM) | Children (RM) | Senior (71 to 80 Years) (RM) | Family (RM) |
| 1- 5 days | 58 | 30 | 141 | 156 |
| 6 – 10 days | 72 | 44 | 174 | 206 |
| 11 – 15 days | 100 | 67 | 221 | 295 |
| 16 – 22 days | 138 | 96 | 281 | 413 |
Worldwide
| Plan | Individual (RM) | Children (RM) | Senior (71 to 80 Years) (RM) | Family (RM) |
| 1- 5 days | 100 | 72 | 209 | 370 |
| 6 – 10 days | 135 | 112 | 262 | 471 |
| 11 – 15 days | 180 | 150 | 342 | 616 |
| 16 – 22 days | 250 | 190 | 441 | 772 |
Special Highlights
- Medical Coverage: It covers up to RM300,000 for medical expenses, so you don’t need to worry about the money while getting sick on your trip.
- Travel & Luggage Delay: This insurance policy will give extra money up to RM2,000 for the Travel or Luggage delay.
- Protect Your Luggage: Allianz Travel Care can reimburse you up to RM5,000 when your luggage is lost or stolen while travelling.
- Different Options Offer: Most Malaysian insurance companies will exclude the protection of dangerous activities such as Ski, Scuba, Dive or Bungee Jump. But Allianz Travel Care allows customers to choose these activities’ protection to the insurance plan.
- Emergency Assistance: As a global insurance company, Allianz has 24/7 global support to immediately provide emergency assistance to its customers.
Conclusion
Choosing the best travel insurance in Malaysia is critical for a stress-free trip.
Etiqa TripCare 360, RHB Annual Travel Protector, Tokio Marine Explorer, Pacific Travel Pro, Zurich Z-Travel, and Allianz Travel Care are among the top contenders.
Each provides specific protections, ensuring that travellers’ needs are satisfied, whether frequent flyers or vacationers.
However, if it were up to me, I would choose Etiqa TripCare 360, as I am not a frequent traveller. Thus, I do not need to pay for one year of travel insurance.
The best travel insurance in Malaysia has to offer is about more than simply coverage; it’s about the peace of mind it provides.
Travellers with various plans can comfortably explore the world, knowing they are protected from unanticipated situations.
Remember that the core of a fantastic trip is found in the destination and the journey’s security and tranquillity.
**Disclaimer: This article is only offered for general informational reasons and is not meant to cover all facets of the subjects it addresses. It is not meant to be taken as legitimate insurance advice you should rely on. You must seek expert or professional advice before acting or refraining from acting based on the information in this publication. The content in this publication does not represent advice from the BizTech Community. A comparable outcome is not always assured by past performance. We give no assurances that the information in the publication is accurate, full, or up to date, either explicitly or implicitly.
