travel malaysia insurance

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Get your AIG Travel Insurance Online Today!

Our travel insurance covers flight delay, loss of personal belongings, trip cancellation, medical expenses & more for your holiday.

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Step 1 : Buy AIG Travel Insurance online between 23 Aug to 15 Sep 2024  (for travel dates from now until 31 Dec 2024)

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Terms & Condition apply

Travel Insurance Overview

No matter where your next holiday destination is, we’re here to keep you safe during your holiday.

We provide comprehensive travel insurance protection coverage for you to fully enjoy your trip.

Get covered easily online! Purchase your travel insurance online at  AIG Travel Insurance

Our most popular features include

Cashless hospitalisation & medical expenses coverage up to RM1 million (with COVID-19 coverage up to RM700,000)

If your trip is cancelled due to covered events , we’ll reimburse up to RM15,000

Protection for loss of baggage & personal belongings  up to RM8,000

Lump sum payout up to RM400,000

Wherever you are in the world,  we’re ready to help 24/7.

Stress-Free Claims. Submit travel claims online in a few clicks, done! Make online claim here>

Instant and easy online purchase  for your next trip.   Buy online here>

COVID-19 Coverage

In the event you are diagnosed with COVID-19, we will provide you COVID-19 coverage including Medical and Emergency Evacuation & Repatriation Expenses up to RM700,000, Travel Cancellation, Travel Curtailment and Quarantine Allowance benefits (applicable to Basic, Standard or Deluxe Plan only).

Medical Expenses (including cashless hospital admission)

If you are hospitalised due to accident or  illness (excluding pre-existing conditions),  AIG Travel Insurance will cover the hospitalisation expenses incurred up to RM1 million. Our travel assistance team is on call by phone to provide you emergency travel assistance, ensuring you receive appropriate medical care.

Comprehensive coverage

AIG Travel Insurance provides you with coverage for domestic and overseas medical expenses, trip cancellation, travel interruptions and delays, emergency medical expenses, medical evacuation costs and lost, damaged or delayed baggage.

Personal Accident cover

You can get lump sum payout up to RM400,000 if you suffer from an accidental death or permanent disablement during your trip with AIG Travel Insurance.

Trip cancellation cover

Don't worry about the costs of transport & accommodation due to your trip cancellation. We’ll reimburse you the non-refundable expenses if your trip is cancelled due to specific events, within a specific time before your departure date.

Natural disasters

AIG Travel Insurance will pay for travel inconveniences related expenses against natural disasters such as earthquakes, floods and volcano eruptions, occurring at the country of travel.

Our own global assistance service

We have a fast and efficient 24-hour Emergency Assistance Team available to assist you in the event of injury following an accident or if you are ill and require hospital attention abroad.

Travel Inconvenience

We provide you coverage for travel inconveniences such as travel delays, loss or damage to your personal belongings, fraudulent use of credit card, car rental excess charges and more.

* Coverage differs according to product & plan. Please refer to policy wording for full details of coverage and exclusions.

Skip The Odds Video | Trip Cancellation

When emergency strikes, your travel plans might have to be cancelled and losing all your non-refundable expenses due to unexpected events is the worst part of travelling. The Skippers learned this the hard way. Keep your trip protected and your wallet healthy with  AIG Travel Insurance ! Available via online purchase.

#AIGSkipTheOdds #AIGJagaYou

*Terms and conditions apply.

SKIP THE ODDS | MEDICAL EXPENSES You'll never know when injuries happen during your travel, so learn from the Skippers and protect yourself against unexpected medical expenses.

SKIP THE ODDS | FLIGHT DELAY Think you’re safe from flight delays? The Skippers thought they were as well. But unlike them, don’t let this be the end of the trip you’ve dreamed about.

SKIP THE ODDS | LOSS OF PERSONAL BELONGINGS Losing a luggage is a hassle. Imagine losing your phone too! Unlike the Skippers, you have the choice to not let this mishap interrupt the rest of your trip.

How we helped our customers - Actual Travel Claim Stories

While traveling in the united kingdom, an insured sustained a hip injury and underwent a surgery...more.

An insured fell while travelling in the United Kingdom and sustained a hip injury. Due to the severity of the injury, the insured underwent a surgery and was discharged two weeks after.

Escorted by an AIG medical nurse, the insured safely returned home to Malaysia. The total cost of medical treatment and repatriation amounted to approximately RM80,000 was fully covered under the insured’s travel policy with us.

* This case is based on a real AIG claim. Name and personal details of the insured have been withheld for privacy purposes.

On his trip to Laos, while golfing, an insured sustained rib fractures, and had to be repatriated home...more

An insured was golfing in Laos and was accidentally knocked over by a buggy. The insured sustained multiple rib fractures with chest contusion and abrasion wounds. Due to the severity of the injuries, the insured was admitted to a hospital in Thailand and was monitored conservatively.

Upon discharge, the insured was repatriated home to Malaysia escorted by an AIG nurse and with special flight arrangements, which included additional oxygen supplies on flight, as well as ground ambulance and wheelchair arrangements. The insured was directly admitted to a medical facility upon touchdown for further medical care.

The medical and repatriation expenses of almost RM40,000 were fully covered under the insured’s travel policy with us.

Read more Actual Travel Claim Stories >

Quote & buy online, before your next trip!

Just answer a few quick questions to get your quote online :

Your trip destination and period

How many people to cover

The level of cover you need - View a selection of plans along with sum insured and premium

24/7 Worldwide Travel Assistance

To contact Travel Guard from anywhere in the world, call:

+60 3 2772 5600

Read more about our types of Travel Assistance Services here>

Downloads, Claims

Submit a claim online.

• Product Disclosure Sheet 
• Policy Wording 
• Policy Amendment Form 
• Direct Debit Authorization Form
• Beneficiary Nomination Form 

Please be advised that the military conflict between Russia and Ukraine may impact travel insurance coverages and benefits, and AIG Travel’s ability to provide certain travel-related assistance services, for travel to, from or within the affected areas.

1. What is Travel Insurance?

Travel Insurance is a comprehensive insurance plan for domestic and overseas travel.  The major benefits provided are medical related benefits, personal accidents benefits, travel inconvenience & other travel-related benefits and 24-hours worldwide travel assistance.  Additionally, you can choose to purchase our optional rider benefit which extends your coverage to include your golfing equipments and your participation in special sports such as winter sports activities & scuba diving.

2. How much premium do I have to pay?

The premium varies depending on your choice of plan, destination and duration of cover selected.  Premiums are inclusive of Service Tax (ST) of 8% and is applicable for Domestic trips. 

3. How do I buy my Travel Insurance?

You can buy your Travel Insurance in any of the following method:

1.  Buy online  on our website; or 2.  Locate & contact an agent  to buy

4. Who is eligible to purchase?

(a) A Malaysian citizen, Malaysian permanent resident, or a holder of a valid work permit or employment pass (of which your place of employment must be in Malaysia during the policy period), dependent pass, student pass or long-term social visit pass not including travelling visa (that is issued by the relevant governmental authority in Malaysia), with full rights to enter into and return to Malaysia regardless of medical status; (b) You must be returning to your home (primary residence within Malaysia) at the end of your travel, or be intending to return home on completion of your travel; (c) Your travel pre-arrangements must be made and paid for in Malaysia prior to your trip and your trip must commence in Malaysia; and (d) You need to be a resident in Malaysia.

Any residents of Cuba, Iran, Syria, North Korea or the Crimea region will not allowed to purchase this policy.

5. What are some of the key terms and conditions that I should be aware of?

Importance of disclosure: 

i. You must disclose all material facts which will affect the risk profile such as your age and occupation. ii. Any fraud, deliberate misrepresentation of material facts or non-disclosure of information in connection with the application for this policy or when making a claim will invalidate the policy and any benefit due will be forfeited and any benefit that has previously been paid must be repaid to us in full.

6. When does my coverage for the overseas trip begin?

(a) Travel Cancellation Per Trip plan – 24 hours from the purchase of the policy, unless due to an accident in which cover commences from the policy purchase date. Annual plan – 24 hours from the purchase of the policy or after travel is booked whichever occurs later, unless due to an accident in which cover commences from the travel booking date. Cancellation of a scheduled trip due to death, permanent total disablement or hospitalization must occur within 60 days prior to your original scheduled departure and for other covered events, it must occur within 14 days prior to your original scheduled time of departure. 

(b) Travel Delay and Accidental Death & Disablement within 12 hours prior to departure from Malaysia. 

(c) All other benefits upon departure from Malaysia.

7. I am holding a one-way ticket. Can I purchase Travel Insurance?

Yes. For one-way travel, coverage terminates 5 days upon your departure from Malaysia.

8. Can I buy more than one Travel Insurance policy for the same trip?

If you are covered by more than one policy, we will cover you based on the policy which provides the highest benefit level.

9. Are activities such as winter sports & scuba diving covered?

Our Special Sports rider (optional) extends your coverage if you choose to participate in winter sporting activities & scuba diving (up to 30m), with the proper conduct, guidance and supervision by a licensed operator.*

*Does not involve engaging, practicing or participating in a semi-professional or in a professional capacity or where income or remuneration can be earned from in such sports.

10. Is the benefit payable by per incident or per trip?

Sum insured listed in the schedule of benefit is payable based on per incident.

11. Who do I contact for an emergency assistance or if I need to be admitted to a hospital while overseas?

Please call our 24 Hours, 7 Days worldwide travel assistance at +603-2772 5600.  You may reverse charge the call where this service is available. 

If you are unable to do so during an emergency, seek treatment first, and contact our worldwide travel assistance at +603-2772 5600 as soon as possible.

12. What is the definition of Immediate Family Members?

It refers to the legal spouse, child, parent and their siblings, parent-in-law, grandparent, grandparent-in-law, grandchild, sibling, sibling-in-law, niece or nephew of the insured.

13. I am travelling to multiple countries, do I need to buy a separate plan for each country? Which region should I select?

If you are traveling to multiple destinations within the same trip, you can be covered under one policy.

14. Can I cancel my policy and get a refund?

No refund of premium is allowed once the policy has been incepted.

15. How do I submit a claim and how long does it take to process a claim?

Please click  here  to view our 3 easy steps to make a claim.

It takes 30 working days to process a claim, upon receiving complete documentation and provided that there is no further information or investigation required.

16. What should I do if the airlines loses my baggages?

Lodge a report and seek compensation from the airline. You may file in your  claim  for the loss not compensated by the airline.

17. Will I be covered for an illness that I am already suffering from or have suffered in the past?

No. We do not cover any pre-existing condition occurring within 1 year prior to the policy effective date.

18. Can I continue my medical treatment in Malaysia for injuries sustained overseas?

Yes. If you suffer from a disability while travelling on an overseas trip and subsequently seek follow-up treatment in Malaysia, we will reimburse the medically necessary expenses incurred within 30 days upon arrival to Malaysia, subject to the medical expenses limit specified in the schedule of benefit (available for Standard and Deluxe plan only).

19. If I fall down overseas but do not seek treatment overseas, can I claim for medical expenses if I seek treatment after returning to Malaysia?

Yes, only if the treatment is sought within 24 hours from the date of arrival in Malaysia. We will reimburse the medically necessary expenses incurred within 30 days upon arrival to Malaysia, subject to the medical expenses limit specified in the schedule of benefit (available for Standard and Deluxe plan only).

20. Are dental expenses or pregnancy-related matters covered?

No, dental expenses and pregnancy-related matters are not covered, unless they are direct consequences of an accident.

21. I need to cut-short my trip because my father is hospitalized in Malaysia. What am I covered for?

You will be covered for additional cost of travel and accommodation up to an amount of RM 1,000 and/or unused and non-refundable expenses which is paid in advance and not recoverable from any relevant parties.

22. Can I file a claim if my baggage is stolen where it is left outside on a bench while I am checking in?

No, we do not cover for loss of baggage left unattended in any public place, as the policy excludes any failure of the insured to take reasonable efforts to safeguard his/her property.

23. Can I claim for travel cancellation if I cancel my trip because of political unrest at my planned destination?

Yes, travel cancellation covers any event below which occurs within 14 days prior to original scheduled departure which:

(a) leads to widespread violence;

(b) is not due to reasons for purposes of asserting sovereign rights and/or operating on behalf of a sovereign state;puts your life in danger; and

(c) following the advise and/or warning of the Malaysian government or the government of the destination country declaring unsafe conditions for travel through or by general mass media. 

However, this policy excludes strikes or events due to an act of war, assertion of sovereignty, insurrection, revolution and use of military power.

24. What should I do if I lose money whilst abroad?

Yes. You must make a report to the local police within 24 hours after the incident. Please click  here  to view our 3 easy steps to make a claim.

25. Will I be covered if my belongings are pick-pocketed while traveling overseas?

26. does travel insurance cover for natural disasters.

Yes. Natural disasters including but not limited to volcanic eruption, flood, earthquake, tsunami, hurricane or wildfire are covered events under our policy.

27. If I transit in Australia (Cluster 3) during my trip to New Zealand (Cluster 2) but I am not stopping over in Australia, what region should I buy?

If you transit in Australia with no stop over, you may purchase a Cluster 2 plan.

If you transit in Australia with a minimum stop over of 1 night because there is no connecting flight, you may purchase a Cluster 3 plan.

28. Can a child purchase an individual policy and what is the premium and benefits?

A child (aged between 30 days and above and up to 18 years) can purchase an individual policy but the policy must be issued under a parent or legal guardian’s name, i.e. on the life of (OTLO) the child’s name.

For example:

“Jack Tan OTLO Tan Mei Mei”.

The payable premium for a child is the same as for an adult.

Under the Family plan, a child is entitled to 25% of the Accidental Death and Permanent Disablement benefit and all other benefits are payable at 100%.

29. Can I purchase travel insurance after I depart and still be covered?

No. You must purchase the policy prior to your scheduled departure.

30. Can I extend my policy period after the commencement of my trip?

Coverage shall be extended at our sole discretion for up to 30 days from the expiry of the period of insurance without payment of any additional premium if you are hospitalized and/or quarantined overseas as recommended by a doctor or as a result of any circumstances beyond your control which is deemed reasonable by us prohibiting your return to Malaysia prior to the insurance expiry.

31. What is Car Rental Excess Charges benefit?

32. what is golf insurance rider and does the cover extend worldwide.

It covers you for any loss or damage to your golfing equipment and hole-in-one expenses.

Cover is worldwide except for United States of America and/or Canada and to countries where such payment would violate any prohibition or regulation or sanction that has been imposed by the Malaysian Government, the American Government and/or the United Nations.

7 Best Malaysia Travel Insurance Plans for US Citizens in 2024

Updated on January 10, 2024 by Matthew H. Nash – Licensed Insurance Agent

• SwiftScore Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Malaysia travelers. Learn more at the end of this page.

STARTING PRICE FOR 2-WEEK TRIP TO THE MALAYSIA

CAN YOU CANCEL YOUR TRIP FOR ANY REASON? 

BEST  WEBSITE FOR

Comparing Policies

• Compare dozens of the best Malaysia travel insurance policies from all the major providers in one place
• Easily filter for the features you want and get support from their award-winning customer service team
• Founded in 2013, TravelInsurance.com has helped hundreds of thousands of travelers find affordable insurance coverage

BEST  Policy FOR

Fast Claims

• Super fast claims via their 100% digital platform with a helpful mobile app
• Faye makes it easy to add-on coverage for vacation rentals, adventure/extreme sports, pet emergencies, and “cancel for any reason” at competitive prices
• Underwritten by Crum & Forster, Faye is known for its exceptional customer support, with 4.8/5 stars on Trustpilot

• SwiftScore Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to travelers. Learn more at the end of this page.

BEST POLICY FOR

Travelers Aged 55+

• Pre-existing medical conditions are covered for a reasonable fee and they offer “cancel for any reason” as an add-on
• $2,000 COVID quarantine coverage available w/ Safe Travels Voyager plan
• Founded in 1998 and underwritten by Nationwide and GBG Insurance

BEST WEBSITE FOR

Filtering Plans

• This comparison website has the most comprehensive filters especially for Covid-19 which helps you search for the specific benefits you need
• They have “Zero Complaint Guarantee” which promises a fair claims process
• Established in 2003, Squaremouth has consistently been recognized for it’s exceptional customer service

BEST POLICY FROM

An Established Brand

• Well rounded, inexpensive travel insurance plans from an established and top rated global insurance company
• AXA has plans that cover pre-existing conditions and their “Platinum” plan covers “cancel for any reason” with an optional add-on. They also offer helpful 24/7 Worldwide Travel Assistance Services
• Founded in 1959 and underwritten by Nationwide

Family Travel

• Their “Trip Interruption for any Reason” feature allows you to get a 75% reimbursement for any additional expenses if you decide to go home early from your trip
• They have a variety of insurance products to suit any travel needs
• Founded in 1993 and underwritten by Nationwide Insurance

$521 Per Year

Long-term Travel

• Ideal for digital nomads and long-term travel, available to anyone anywhere
• Scored lower because short-term travel coverage isn’t as robust as competitors
• Founded in 2018 and is underwritten by Lloyds of London

CAN YOU CANCEL YOUR TRIP FOR ANY REASON?

• Compare dozens of travel insurance policies from all the major providers in one place

Malaysia travel insurance FAQs

Which factors should i consider when searching for a malaysia trip insurance policy.

First, you must always ensure that the policy you want to purchase includes Malaysia in its coverage. Most do, but it is always worth checking. Second, check that your preferred policy covers your trip’s entirety, including your departure and return dates. Third, do you or anyone you intend to insure on your policy have pre-existing medical conditions? If so, you will want to buy a Pre-Existing Condition upgrade. Before purchasing a policy, you must also decide if you intend to do any extreme sports or adventure activities during your trip to Malaysia. If so, read the full policy details to check that it covers your preferred activities. To simplify this process, I like to use the comparison site Squaremouth.com to filter for whichever sports I plan on participating in. Last but not least, I suggest getting a “Cancel for Any Reason” package so that you have the flexibility to change your plans for nearly any reason and still receive a 75% reimbursement on your trip costs.

How many people can I insure on my travel insurance policy?

The limit on personal, single-trip plans is 10 people. However, all of them must have the same travel itineraries and dates and live in the same state. If any of your travel companions are residents of different states or have different travel itineraries than you, they must purchase their own policies. That said, if 8 or more of you are traveling together, you might want to consider getting a group policy. Group policies will get you comparable coverage for a better rate and allow insured travelers to live in different states.

When is the ideal time to purchase Malaysia travel insurance?

I recommend getting Malaysia travel insurance, especially a Trip Cancellation plan, as soon as you book your vacation. Once you have a policy in place, it will financially protect you and your travel companions against unexpected events before and during your vacation. Keep in mind that you only have 14 to 21 days from paying your trip deposit to buy Pre-Existing Condition and Cancel for Any Reason (CFAR) packages. Every travel insurance company has different terms and conditions, so check with your provider for further information.

Is it possible to buy Malaysia trip insurance after my trip has begun?

While getting Malaysia trip insurance before your vacation begins is always best, you can also purchase it during your trip. The caveat is that coverage will commence on the date of purchase and will not apply retroactively to any travel emergencies, medical or otherwise, that you may have endured on your vacation.

Is Malaysia a safe country to visit?

While there is petty theft and some other rare issues to be aware of, Malaysia is generally a safe country to visit. To err on the side of caution, I encourage you to check out the US Department of State’s Malaysia Travel Advisories page for current security warnings and travel information.

Which expenses do trip delay benefits cover?

You can expect covered trip delay expenses, including hotel rooms, meals, internet access and local ground transportation. Each travel insurance plan has a daily reimbursement maximum of $150 to $200, and you will be eligible for these benefits until you use your policy’s stated total benefit.

Will my Malaysia travel insurance reimburse me for a 2-hour flight delay?

Many travel insurance companies have established a minimum trip delay of 3 hours, though every policy is different and may require anywhere from 6 to 12-hour delays. Be aware that trip delay benefits are only available for covered reasons, such as aircraft maintenance issues, severe weather conditions, air traffic issues, etc. Remember to read your policy’s full details for further information.

If I need emergency dental work, will my travel insurance plan cover it?

Depending on your policy, you can expect it to cover anywhere from $100-$750 of emergency dental work on any natural teeth. Coverage typically excludes any work on false teeth, crowns, and bridges. Also, it will not reimburse for any oral exams or routine cleanings. Your policy may also restrict the time window that emergency dental work can be performed to be eligible for reimbursement, so check your plan’s full details for further information.

Common problems tourists experience in Malaysia and how to steer clear:

Malaria and dengue fever, both illnesses transmitted by mosquitoes, can leave you bedridden for weeks and sometimes months. Malaria and dengue can start with similar symptoms, including headaches, severe muscle pain, lower back pain, weakness, fever, nausea, chills, diarrhea, and more. Malaria will leave you feeling full, despite not eating, and it will also cause pain in the upper left side of your abdomen and fatigue. On the other hand, dengue will give you migraine-style headaches, swollen glands and lymph nodes, rashes, pain behind the eyes, and intense pain throughout the entire body. Regardless of what you may have, seek medical care immediately, as both can lead to extreme dehydration and death. Strictly heed all medical guidance and accept that recovery may take a significant amount of time. Use a strong bug spray whenever you’re out and about to minimize your risk of contracting either. It is worth mentioning that Malaysia has many creatures, beyond mosquitoes, that threaten human health. For example, the country is home to several venomous snakes, including some whose bites are fatal. If you ever get bitten, seek medical treatment immediately, as you will need antivenom. Other causes for concern are tarantulas, sac, and black widow spiders. While none of these have a fatal bite, they can cause extreme discomfort and pain. When in doubt, consult a doctor. Another unpleasant affliction many tourists find themselves with is heatstroke/sunstroke. Symptoms of these conditions include rapid breathing, fever, sweats, intense headaches, nausea, vomiting, and disorientation, to name a few. If you experience a combination of these symptoms, get medical help as soon as possible. To avoid developing heatstroke or sunstroke, consume plenty of water, freshly pressed juices, and hydrating foods like juicy fruits and vegetables. Also, be careful not to stay in the sun all day and remember to rest mid-afternoon when it is the hottest and most humid in Malaysia.

Malaysia has such a stunning landscape that many visitors opt to participate in extreme sports and adventure activities. Since accidents inevitably happen, injuries such as open wounds, broken bones or twisted ankles may occur regardless of the precautions taken.

Overall, Malaysia is very safe, and getting mugged is unlikely. However, muggers’ most common technique is cutting an unsuspecting tourist’s bag with a knife. That said, all travelers, particularly in urban and crowded areas, are at risk of being pickpocketed. Be mindful of what you carry and keep valuables close to your body. Do not fall for distractions someone may create so that you take your attention off your possessions. The other significant risk is ATM skimmers attached to ATM card readers that collect account numbers and PIN information. Stick to cash machines within banks to avoid such scams.

Emergency resources for Malaysia

Phone numbers.

You can dial 112 or 999 from a mobile phone to reach the police or ambulance, but for fire and rescue services, dial 994. If you also choose to visit Brunei, dial 993 to contact the police.

US embassy or consulate details

Malaysia has an embassy in Kuala Lumpur. Visit the Embassy’s website for information on citizen services, location, or hours.

Additional information to help travelers have a better experience in Malaysia:

Malaysia’s currency is the Ringgit (MYR). ATMs are common nationwide and rarely charge fees (your bank might). Most banks have a daily withdrawal limit between 1500 and 5000 MYR. While credit and debit cards are widely accepted at higher-end hotels, stores, and restaurants, having plenty of cash on hand for almost everything else are essential.

Malaysia is a very conservative Muslim country, and Sharia Law informs much of what is socially acceptable. Public displays of affection beyond hand-holding are highly frowned upon. When visiting a place of worship, look for signs near the entrance stating rules and expectations. The most common practices involve removing one’s shoes before entering, wearing tops that cover your shoulders and elbows, and wearing pants or skirts that go below the knee. If you are traveling in Malaysia during Ramadan, you are not expected to fast, but eating in public between sunrise and sunset while Muslims are fasting is considered inappropriate. As a result, most smaller restaurants will be closed for breakfast and lunch. The good news is that many tourist-centric areas and larger cities will have places non-Muslims can happily eat out during the day. Resorts and big hotels will also be great options for the first two meals of the day during Ramadan.

Getting Around

Buses in Malaysia are clean, air-conditioned, safe, and frequent. As a result, you can catch a bus almost anywhere in the country at the last minute. You will have several bus companies to choose from, so you will want to compare ticket prices once you get to the bus station. Bus travel in Malaysia is relatively cheap, and all routes generally have planned bathroom breaks and snack/meal stops. Remember that you will not find direct buses to and from Peninsular Malaysia and Borneo. Journeys like this will require a bit more planning. Most travelers prefer flying in such instances as it saves a lot of time, and budget airlines operating in the country offer numerous flights daily. Taxis are plentiful in Malaysia, but be aware that most will refuse to use the meter, and some have even removed them from their cars since laws around taxis are not strictly enforced. If you must take a taxi, agree on a flat rate for your trip before getting into the car. As a more affordable and reliable option, many people use Grab, an app-based service like Uber or Lyft, to book rides wherever they need. Passengers can choose to save extra money by sharing the ride (carpool) with other passengers.

The national language of Malaysia is Malay, also known as Bahasa Malaysia. However, it is such a diverse country that other languages are commonly spoken, including English, Mandarin and Tamil. While getting around the country in English should be easy, having some Malay in your toolbox will always go over well with locals.

• Selamat datang – welcome
• helo/hi – hello/hi
• selamat jalan – goodbye 
• selamat pagi – good morning
• selamat tengahari – good afternoon
• selamat petang – good evening
• selamat malam – good night
• apakabar? – how are you?
• baik – good
• not good – tak baik/buruk
• terima kasih (banyak) – thank you (very much)
• sama sama – you’re welcome
• ya – yes/yah
• tak/tidak – no
• berapa – how much?

Malaysian Laws

Recently, Malaysia abolished the mandatory death penalty for several crimes, such as drug trafficking, murder, terrorism, and more. That said, be aware that using or carrying even small amounts of any illegal drug, including marijuana, in Malaysia will be punished with a steep fine and a severe prison sentence. Be aware that Sharia Law governs much of life in Malaysia. While it mainly applies to Muslims, the prohibition against public displays of affection and sexual activity between gay or lesbian couples is illegal for all. It can also spark intense religious outrage or disapproval. If caught, oral sex of any kind can land you in prison for up to 20 years. And going nude or topless (women) at beaches in Malaysia will get you fined and put in jail. In addition to imprisonment, caning is still used as a form of corporal punishment for those who break Malaysian law. Lastly, keep in mind that blasphemy and drunken behavior are banned near courthouses and places of worship, regardless of religion, throughout the country. Overall, they are culturally frowned upon. Keep your words clean, and drink in moderation. It is worth mentioning that different states within Malaysia have their own laws regarding alcohol. Check with your hotel front desk clerk or concierge whether there are laws or cultural expectations that you should know about that are specific to the state you’re visiting.

Tipping is not expected in Malaysia but has become quite commonplace in businesses popular among tourists. In such cafés, eateries, and high-end or western-style restaurants, a 10% service charge is almost always added to the bill. This service charge gets paid directly to the restaurant, and it is a heavily debated topic as to whether the staff ever receives it. Leaving a few extra coins for exceptional service will always be appreciated. However, if your bill does not include a service charge, 10-15% is a great tip. In hotels, 5 MYR per day for the housekeeper is appropriate. You can also tip the porters 3 MYR per bag and the concierge 10 MYR for going above and beyond the call of duty. If you are going on a tour, consider tipping the guide 20-30 MYR for an excellent experience and the tour driver 15-20 MYR.

Packing advice for Malaysia

Apart from Travel Insurance, we recommend you bring the following items for maximum health, safety and enjoyment of your trip to Malaysia.

A final note about travel insurance for Malaysia

I have spent dozens of hours researching travel insurance, including getting quotes and comparing coverage from all the most popular brands. Regardless of where you’re going I am confident that you will also find that WithFaye.com offers the best way to compare policies with the ideal combo of coverage and price.

I wish you and yours an incredible journey.

SwiftScore Ranking Methodology

• Average price for a 2-week vacation based on a 35-year-old California resident traveling to the Malaysia with a $3,500 trip cost
• Coronavirus coverage
• Cancel for any reason (CFAR)
• AM Best rating of the underwriter
• Key policy details including cancellation, interruption, emergency medical evacuation, and baggage & personal effects
• Ease of sign up
• Policy language clarity
• User reviews

PLEASE NOTE THAT

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.

• What is covered?
• What is not covered?
• When am I covered?
• Where can I travel?
• Who is covered?
• Travel Tips

Chubb Assistance

• Types Of Plan & Eligibility
• Covid-19 Cover
• Medical Cover
• Baggage Cover
• Sports And Sporting Equipment
• Trip Cancellation
• Nomination Of Beneficiary/ies

Travel Smarter with Chubb Travel Insure with Covid-19 cover

It will never happen to me.

Travelling can be an expensive proposition. Purchasing a travel insurance can seem like the lowest priority.

The apps you need

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Going on a trip abroad is exciting, but emergencies can happen, and if they do, it can be expensive and challenging affair. You can take some of your stress away by booking a travel medical insurance policy at competitive pricing from global insurers. Don't forget that for Schengen visa applications, travel insurance is mandatory.

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1 . What is Travel Medical Insurance?

Travel Medical Insurance is designed to cover your emergency medical expenses while traveling abroad. In the event of an unexpected illness, injury, or medical condition during your trip, your travel medical insurance plan will reimburse you for the treatment costs, up to the limits specified in the plan.

2. Why do I need Travel Medical Insurance?

Travel Medical Insurance provides coverage for various risks that may arise during your overseas travel, including medical emergencies, COVID-19, and loss of passport. The coverage offered ensures an additional layer of protection against potential financial losses. For more detailed information on the coverage, please refer to the Travel Medical Insurance policy documents.

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Purchasing overseas travel insurance online is a convenient way to access a wide range of best plans at competitive prices from global insurers. This allows you to choose a suitable plan without incurring any extra commissions.

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The cost will depend on the kind of overseas Travel Medical Insurance policy you opt for, and it will vary from country to country. Multiple underlying health conditions will determine the final insurance premium you will have to pay.

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It's best to purchase travel insurance within the first 14 days of your initial trip.

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The Best Travel Insurance for Asia in 2024

Travelex Insurance Services »

Allianz Travel Insurance »

Seven Corners »

Generali Global Assistance »

World Nomads Travel Insurance »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance for Asia.

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance

There are several considerations to keep in mind if you're planning a trip to Asia, including the length of time it takes to reach your destination – and the myriad issues that could pop up along the way. A nonstop flight from Newark, New Jersey, to Tokyo takes more than 13 hours, after all, and flying from many other U.S. destinations requires several different stops. Not only will you need to plan for potential cancellations, but you'll want coverage in place if your bags are lost or stolen or a travel delay results in you paying for a hotel stay, meals or both.

Trips to Asia also necessitate travel insurance coverage for emergency medical expenses and potentially even medical evacuation to the nearest hospital or your home country. This is because benefits offered in your U.S. health plan will not apply anywhere in Asia, nor will most benefits from Medicare and other government-sponsored plans.

These are just some of the reasons to get travel insurance well before your trip to Asia is set to depart. While having any travel insurance is better than nothing, U.S. News curated this list of the best travel insurance for Asia from the top providers offering coverage in this space.

Frequently Asked Questions

Travel to Asia requires a considerable commitment in terms of the time you'll spend traveling back and forth and the cost of a trip. If you travel to Asia without travel insurance coverage, you could wind up paying out of pocket for travel essentials if your bags are lost or stolen – or even losing money paid toward flights and hotels if you need to cancel due to an illness or death in your family.

Not having travel insurance also means you'll be on the hook for medical expenses if you become hurt or injured while in Asia. Whether your trip to the continent includes stops in Japan , Thailand , Vietnam or elsewhere, having travel insurance is the only way to protect against travel mishaps and the financial losses they cause.

• Travelex Insurance Services: Best for Long Trips
• Allianz Travel Insurance: Best for Flexible Cancellations
• Seven Corners: Best Optional Benefits
• Generali Global Assistance: Best for Overseas Medical Coverage
• World Nomads Travel Insurance: Best for Backpackers

Travel Select plan covers single trips of up to 364 days

Kids ages 17 and younger are covered automatically with Travel Select plan

Lower limits for medical expenses than some providers

CFAR coverage only available with Travel Select plan

• 100% trip cancellation coverage up to $50,000
• 150% trip interruption coverage up to $75,000
• Up to $2,000 in coverage for trip delays of five hours or longer ($200 daily limit applies)
• Up to $750 in coverage for missed connections due to delays of three hours or longer
• Up to $50,000 in protection for emergency medical expenses (dental sublimit of $500)
• Up to $500,000 in coverage for emergency medical evacuation and repatriation of remains
• Up to $1,000 in coverage for baggage and personal effects
• Up to $200 in coverage for baggage delays of 12 hours or longer
• Up to $200 in coverage for sporting equipment delays of 24 hours or longer
• Up to $25,000 in coverage for accidental death and dismemberment (AD&D)

SEE FULL REVIEW »

Optional CFAR coverage reimburses at 80%

Kids ages 17 and younger get free coverage with some plans

Lower coverage limits for medical expenses than some providers

• Up to $100,000 per traveler in coverage for trip cancellations
• Up to $150,000 per traveler in coverage for trip interruptions
• Up to $500 per traveler in trip change protector coverage
• Up to $50,000 per traveler in emergency medical coverage
• Up to $500,000 per traveler for emergency medical transportation
• Up to $1,000 per traveler toward baggage loss or damage
• Up to $300 per traveler in coverage for baggage delays of 12 hours or more
• Up to $800 per traveler in protection for travel delays (daily limit of $200 applies)
• $100 per insured person per day in SmartBenefits coverage for eligible delays
• 24-hour hotline assistance
• Concierge services

Each plan covers up to 10 travelers

Numerous optional benefits available

Medical expense coverage is secondary with Trip Protection Basic plan

Preexisting medical conditions can only be covered with Trip Protection Choice plan

• Trip cancellation coverage up to 100% of the trip cost
• (maximum $100,000 per person)
• Trip interruption coverage up to 150% of the trip cost
• Up to $2,000 in coverage for travel delays ($250 daily limit per person)
• Up to $1,500 in coverage for missed tours and cruise connections of up to three hours ($250 per day)
• Up to $2,500 per person in baggage protection ($250 limit per item)
• Up to $500 for baggage delays of six hours or more ($100 per day)
• Up to $500,000 per person in primary coverage for emergency medical and dental procedures ($750 dental sublimit)
• Up to $1 million in coverage for medical evacuation and repatriation of remains
• Up to $200 for passport, visa and other travel document replacement
• Up to $50 toward credit card charges and interest
• Up to $300 for change fees
• Up to $500 for frequent traveler reward reimbursement
• Up to $500 toward pet kennels ($100 per day)
• AD&D coverage

High limits for emergency medical expense and medical evacuation coverage across all plans

Preexisting medical conditions covered with top-tier Premium plan

Optional CFAR coverage with Premium plan only reimburses 60% of prepaid travel expenses

• Trip interruption coverage up to 175% of the trip cost
• Travel delay coverage up to $1,000 per traveler for delays of six hours or more ($300 daily limit)
• Up to $2,000 per person in baggage protection; $500 for baggage delays of 12-plus hours
• Up to $2,000 per person in coverage for sporting equipment; $500 for delays of 12-plus hours
• Up to $1,000 per person in missed connection coverage
• Up to $250,000 per person for emergency medical and dental procedures
• Up to $1 million in coverage for emergency assistance and transportation ($10,000 limit for companion hospitality expenses)
• Up to $25,000 per person in rental car coverage

Get coverage for more than 200 sports and activities

Includes 24-hour travel assistance services

Low coverage limits for trip cancellation

No coverage for most preexisting conditions

• Up to $10,000 in coverage for unexpected trip cancellations
• Up to $100,000 in coverage for emergency medical and dental expenses
• Up to $500,000 in protection for emergency medical evacuation
• Up to $3,000 in protection for damage to or theft of your bags or gear

Why Trust U.S. News Travel

Holly Johnson is an award-winning writer who has been covering topics like family travel, cruises, all-inclusive resorts and travel insurance for well over a decade. Johnson has researched and purchased travel insurance plans for her own trips, and she has successfully filed claims and received reimbursement more than once over the years. Currently, Johnson uses an annual travel insurance policy from Allianz to cover her family's many trips overseas each year. Johnson also works alongside her husband, Greg – who sells travel insurance for trips all over the world – in their family media business. Johnson also co-owns the travel agency Travel Blue Book .

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Learn about a range of coverage options for traveling abroad.

Experts say travel insurance is crucial: Here's how it actually works

Whether you're a frequent traveler or setting plans for an upcoming vacation, unexpected circumstances such as bad weather can cast a cloud over a trip, which is why experts suggest investing in travel insurance.

Recently, Hurricane Beryl marked an "early and violent start" to the typical storm season. NOAA Administrator Rick Spinrad confirmed in a mid-season update earlier this month that Beryl was "the earliest category-5 Atlantic hurricane on record" -- and peak storm season is right around the corner.

With increased risk of disruptions during hurricane season through November and more people opting for shoulder season getaways after avoiding summer crowds , travelers should prepare for such worse-case scenarios to avoid losing money on hotels, activities and other bookings.

Everything you need to know about travel insurance

With an array of options in the market and various individual reasons to invest in a plan that protects your purchases, "Good Morning America" tapped top industry experts to provide insights to help ensure that even if your next getaway gets rained out, your bank account won't be drained as well.

"Things can go wrong in ways that you can't begin to imagine. And if you're unlucky and unfortunate enough to be in that position, you don't want to come back from your trip with a debt to pay off as well," Daniel Green, trip insurance expert and co-founder of Faye Travel Insurance, told "GMA."

Understand the basics before you buy bespoke coverage

Katy Nastro, spokesperson for Going.com, formerly known as Scott's Cheap Flights, told "GMA" that first and foremost, folks need to "understand all the ways in which you are already protected before dishing out for things you don't need."

"When it comes to flight insurance, under federal law, you are already protected to get a full refund or rebooked on a significantly delayed flight or cancellation, regardless of the reason," she said. "With new regulations that airlines must comply with by the end of October, seeing your refund back to your payment method will get a lot faster and more seamless."

Nastro said "many travel credit cards already have built-in trip insurance that can protect you when the unexpected happens," citing perks from the Chase Sapphire Reserve card that provide "reimbursements up to $10,000 per person for pre-paid, non-refundable travel expenses when an interruption happens."

You should always buy insurance for one simple reason -- when you start thinking -- 'I hope we have insurance,' it's one minute too late

"These cards often pay sooner than the airlines do for expenses due to misplaced bags," she added.

Nastro also suggested to check on coverage across state lines with any existing medical or car insurance policies, which could help cut down on costs.

"Specifically, when it comes to medical insurance, medical care around the world is generally a fraction of the cost compared to what it is in the U.S. So, while it could be good to have if you need stitches in Vietnam, it probably won't break the bank," she said.

Because travel insurance is subjective, Nastro said "it's worth considering when you exhaust your existing coverages to see where you might have some gaps."

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How does travel insurance work and what's actually covered?

"A great example is when you have a trip with multiple components that aren't purchased together, like a flight and cruise," Nastro told "GMA." "The cruise won't wait when your flight has been rebooked for the next day, so in this scenario, it might be worth looking at insurance on the cruise portion. You can typically add insurance after the fact, but reading the fine print is critical."

"Trip or travel insurance tends to be cheaper to buy, but is restricted to what is actually covered and often has red tape in terms of getting that reimbursement. For example, if you have an illness and need to cancel your trip, policies might require a doctor's note," she continued.

She added, "Travel insurance with 'cancel for any reason' policies tends to be more expensive to purchase, but more inclusive in terms of what is considered a 'covered' reason. The biggest caveat is that they offer a partial refund -- 50% to 75% of nonrefundable expenses."

When it comes to weather, she reiterated that reading the fine print is critical, because "the coverage typically offered is for extreme weather and scenarios where the operator cannot operate for 24 hours or more, so a typical summer thunderstorm won't make the cut."

Green added that, generally, if a customer buys travel insurance from an airline provider, since the carrier "doesn't know all the details of your trip" beyond the price and date of the flight, "if you're renting a car and traveling around -- or staying in a $4,000 hotel, you might only have $1,000 worth of insurance because at the checkout screen of American or United or Delta, they just didn't know about those costs."

"That's why I think it makes a lot more sense to buy insurance directly from either a website portal or an agent that can show you the main limits, so you know all the things you spent are covered as part of the policy," he said.

As Nastro pointed out, payment for claims can become a sticky situation, which is why Green helped craft an more seamless way to alleviate issues by providing the reassurance of immediate reimbursement: "If you have Apple Pay or Google Pay, you can access that money instantly after the claim is settled," he told "GMA."

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Green co-founded Faye just before the COVID-19 pandemic sent the travel industry into a tailspin, but said now, "the concern on the American mind more than anything is who's gonna pay for this? Especially in these days of inflation, if you're paying significant amounts of money for travel, and something goes wrong, you'd like to at least be made whole."

3 categories to consider for travel insurance coverage

Green explained that travel insurance can generally be broken into three categories: your investment in the trip, your belongings such as luggage and passports, and your health.

For anyone booking travel on their own, without a travel agent or adviser, Green highlighted the difference between buying travel insurance directly versus clicking "yes" on an app or checkout screen.

"You're not always being offered insurance that's in your best interest if you're just hoping that whatever your credit card comes with, or whatever your airline gives you at the end of the checkout is going to provide everything you need," he said.

He noted that one important tip for any type of travel coverage purchase is "the earlier you tell your insurance company that something has gone wrong, the more likely it is that they can help you while you're on your trip -- and helping sometimes means paying for expenses so that you don't have to be out of pocket and get reimbursement."

Weather-specific products for travel inconveniences

Products like Sensible Weather offer more specific elements to cover scenarios such as rain during a beach vacation or lack of snow for a ski trip, which may derail plans.

"The idea of travel inconvenience payments, it just takes the sting out of things," Green said. "In those scenarios, you just get a fixed, agreed amount of money -- sort of no questions asked -- You just have to prove that you actually experienced the loss in question, and then you get the full amount."

"You should always buy insurance for one simple reason -- because usually at the point when you start thinking to yourself, 'Wow, I hope we have insurance,' it's one minute too late," Green said. "Hurricane season is the perfect example of that. Once a hurricane is named, you generally can't make any claims related to the hurricane if you didn't already buy a policy."

"What we're learning about the current hurricane season is the weather is becoming unpredictable all the time," Green said. "We've heard about days where the weather was so hot in Phoenix that airplanes couldn't take off from the tarmac, hurricanes coming sooner than expected, or power failures causing an airport to not be able to operate -- and because those things are so unpredictable, playing the game of wait and see before buying your insurance rarely make sense versus justbuying it around the time you buy your trip and not having to worry about that aspect again."

How much plans cost and limitations

"There is no one size fits all when it comes to travel insurance," Green noted.

However, he said "there are rules of thumb" that industry experts often follow: "You should be willing to spend up to 10% of the cost of your trip on your insurance."

"The two biggest factors that usually affect the cost of your insurance is your age at the time of purchase, not at the time of travel, and the value of your trip," he said, adding that "every company is different."

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• What is travel insurance?
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How Much Does Travel Insurance Cost: Average Travel Insurance Prices in 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate travel insurance products to write unbiased product reviews.

• The average travel insurance premium this week is $299.14, up about 0.58% compared to last week.
• For travel in the United States, the average premium is $180 to $360.
• Travel insurance protects against delayed baggage, trip cancellation, and more.

The average cost of travel insurance fluctuates throughout the year, based on demand and whether or not school's in session. Also keep in mind that where you're traveling and how many people are taking the trip will affect your exact premium.

Understanding Travel Insurance

Travel insurance plans can cover both domestic and international travel. It could protect against something as familiar as delayed baggage (experts estimate 85% of lost luggage is returned to its owner within 48 hours) or as complicated as trip cancellation.

The benefits and limitations of travel insurance vary based on the company and plan. Above all else, this insurance coverage offers peace of mind.

Some credit cards offer a limited amount of travel insurance annually. If you need clarification on what your credit card offers, contact your provider to verify. These plans are great for cancellations and interruptions but may not cover more costly losses associated with unexpected medical expenses or emergency evacuations.

Individual travel insurance plans include this and much more. Travel insurance protects travelers from the unexpected when away from home.

Average Cost of Travel Insurance by Destination

Some countries are naturally more expensive travel destinations due to higher flight and lodging costs, which could increase travel insurance costs. Travel insurance will generally cost 5% to 10% of your total trip price, according to SquareMouth travel insurance .

Here's how the prices stack up:

Source: SquareMouth

How Far in Advance to Purchase Travel Insurance

According to an AAA travel survey , 88% of travelers say that reimbursement after a trip cancellation is the most valuable benefit of trip insurance.

According to data gathered by SquareMouth in the last six months, travelers tend to purchase trip cancellation travel insurance 53 days before their trip. Meanwhile, travelers without trip cancellation insurance will buy a policy approximately 16 days before their trip. Regardless of when you buy, cancellation protection can kick in to protect you against the unexpected.

Average Cost of Travel Insurance by Age

A traveler's age is a significant factor in determining the cost of travel insurance. The older a traveler is, the higher travel insurance premiums are. For instance, a senior traveler may need more insurance for health-related emergencies than a millennial.

When calculating your travel insurance premium, travel insurance providers consider the likelihood of a medical emergency.

Get your free travel insurance quote with SquareMouth »

Travel Insurance Rate Tips

Travel insurance rates through most providers fall between 4% and 8% of the total trip cost. Like the cost of flights, cruises, etc., rates may vary substantially based on the season, your original location, your destination, and other factors. This week, the average cost of a policy was close to $300.

To save money on travel insurance, tailor your policy to your specific needs and avoid unnecessary extras. You should also shop around to compare quotes from multiple insurers. Opting for an annual plan if you're a frequent traveler, checking existing coverages from other insurance policies or credit card benefits, and choosing a policy with a higher deductible can significantly lower your premiums. Always read the fine print to understand your coverage fully, ensuring you don't pay for redundant or irrelevant features.

To find affordable travel insurance, consider using online comparison websites like SquareMouth or InsureMyTrip to see rates from various providers. Other ways to save include purchasing directly from insurance companies, exploring package deals from travel agencies or airlines, utilizing included coverage from credit card benefits, and checking for discounts through membership organizations such as AAA or AARP.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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How To Find Cheap Travel Insurance for Your Next Trip | Money

Travel insurance can cover your medical bills if you experience an injury or illness during your holiday. Depending on the policy you select, the best travel insurance policies can also cover trip interruption, lost baggage, rental car damage and emergency evacuations.

If you’ve invested a good deal of money on pre-paid, non-refundable travel expenses or are planning an extended vacation, you don’t want to leave on a trip without protecting yourself from the unforeseen. But you also don’t want to overpay for that sense of security.

Read on to learn how to find cheap travel insurance for your next trip and get tips on buying the right coverage to meet your needs.

How much does travel insurance cost?

The cost of travel insurance varies significantly. According to the U.S. Travel Insurance Association, you can expect to pay between 4% and 8% of your total trip cost on a travel insurance policy. The exact price will depend on the trip’s length, your age and the coverage amount you select, among other factors.

For example, if your trip costs $5,000, you’ll pay between $200 and $400 for travel insurance. However, if you’re older or planning to be out of the country for a prolonged period, you can expect your insurance premium to reflect those risks.

You may also pay more or less depending on the type of coverage you purchase. For instance, a policy with trip cancellation and medical evacuation coverage will likely cost more than one that provides travel medical benefits only.

What is considered cheap for travel insurance?

Your definition of affordability may be very different from that of other travelers. So, if you want to find the least expensive travel insurance option, there’s no getting around comparison shopping. Cheap travel insurance can be any policy that affords the coverage you need at a lower price point than other options.

Say you’re traveling with professional equipment like cameras. Purchasing a medical-only travel insurance policy could be more affordable than buying one that provides generous coverage for baggage loss and personal effects. However, going for the cheaper option may result in higher out-of-pocket costs if your bags are lost or stolen.

How to find cheap travel insurance for an upcoming trip

Finding the most affordable travel insurance will require some legwork. Here are some tips to make your search easier.

1. Only purchase the travel insurance coverage you need

Buying more insurance coverage than you need will increase your expenses. With that in mind, it’s best to start by understanding what travel insurance covers and then defining your needs.

Most travel insurers offer different plan tiers with various levels of coverage. Plans that cover more scenarios and offer higher coverage limits will cost more. Purchasing add-ons like rental car coverage will further increase the cost of your policy.

So, for example, you probably don’t need a policy that covers baggage delay or flight cancellation if you’re driving over the border into Canada. Instead, you can save money by selecting a more basic plan offering only emergency medical and personal effects coverage.

Similarly, paying for an annual travel insurance policy doesn’t make sense if you only leave the country once or twice a year for a couple of days each time. It might sound like a good idea because these plans often offer cheaper medical travel insurance coverage per trip, but they will cost more if you don’t travel frequently enough to make them worthwhile.

2. Choose the right type of policy for your trip

If you purchase travel insurance, make sure to select a plan that covers the risks you’re likely to face during your trip. For instance, you might go with a policy that covers missed connections and trip delays if your travel plans are complicated and involve numerous stops.

Similarly, if you’re participating in high-risk activities such as rock climbing or scuba diving, look for a policy that covers these, as not all plans do. And if you are taking a cruise, a cruise travel insurance policy can cover risks unique to this form of travel, such as medical emergencies that necessitate an airlift to an on-shore medical facility.

3. Check whether you already have some form of rental car coverage

You’ll need rental car insurance if you’re renting a car during your travels. Depending on your destination, you may already be covered under your car insurance policy. That could be the case if you’re traveling to Canada in a rental vehicle, for example. However, if you’re traveling to Mexico, you’ll need a separate policy.

Similarly, your car insurance policy from back home typically won’t cover you overseas. In that case, you can purchase insurance from a rental car company at your destination or check whether your credit card offers such protection. Many of the best travel credit cards include rental car coverage. If your card does, check whether that coverage is primary or secondary. Secondary coverage applies after you’ve exceeded the limits of any other applicable insurance policies.

With this in mind, you may not need to purchase rental car coverage from your travel insurance company. If your travel insurer offers you a better deal on a collision damage waiver — which is what travel insurers generally offer — call your rental car company first to see if it accepts this form of coverage, as some companies do not.

4. Check your credit card for travel protection benefits

Your credit card may also offer travel protection benefits beyond rental car coverage. Depending on your credit card, you could receive reimbursement for baggage loss and delays, trip interruptions and cancellations, and travel accidents. Some cards also provide emergency medical, dental, and even medical evacuation coverage.

However, every card is different, so contact your credit card issuer to learn what it covers and whether limits and restrictions apply (and they generally do). For example, only trips you purchased with the card would be covered, and you may be required to meet a deductible before coverage kicks in.

Just as with a travel insurance policy, you’ll have to cover any expenses out of pocket and then submit a claim for reimbursement. You’ll also be required to provide documentation to support your claim, such as medical bills. So, whether you purchase travel insurance or rely on your credit card’s travel benefits, always budget for contingencies.

5. Consider purchasing group coverage

Not all companies offering group travel insurance policies consider the travelers’ ages when pricing these plans. That means group coverage may be more affordable than buying individual policies for each group member. If you’re traveling with family, friends or colleagues, shop for group travel insurance instead.

Just keep in mind that group policies aren’t as customizable and coverage limits may be lower than what you need.

6. Comparison shop

We really can’t stress this enough, but comparison shopping is the best way to get a good deal on any kind of insurance, even travel insurance. If you don’t have time to do the legwork yourself, a travel insurance marketplace can help you quickly compare options from various insurers in a single place. It can also give you a better idea of how much travel insurance will cost you .

One possible drawback of doing business with an insurance marketplace is that they don’t partner with all providers, so you could be missing out on a good deal from a carrier the comparison site doesn’t do business with.

Is cheap travel insurance good?

Whether an affordable insurance policy is adequate will depend on what it includes and the specifics of your trip. If you’re flying to multiple countries, a cheap policy that doesn’t cover flight interruption may not suffice. However, that policy may suffice if you drive over the border for a few days and only require basic emergency medical coverage.

A cheap policy that covers all of your main risks is better for you than an expensive plan that doesn’t, so it all comes down to the coverages you need to best protect yourself. When searching for a policy, consider where you’re going, what you’ll be doing and how long you’ll be gone.

Summary of Money’s guide to finding cheap travel insurance for your next trip

Planning a trip takes time, and finding the ideal travel insurance policy will add to your workload. However, travel insurance can give you great peace of mind during your travels by helping you protect your savings. Moreover, affordable options exist.

To save even more on travel insurance, define your coverage needs, check whether you already have other forms of insurance or travel benefits that can protect any aspects of your trip and comparison shop.

© Copyright 2023 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

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i-MULA 50 empowers 100,000 eligible Malaysians with affordable life insurance

Wednesday, 28 Aug 2024

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KUALA LUMPUR, The Life Insurance Association of Malaysia (LIAM) on Wednesday launched the Starter Pack Insurance Fund (SPIF) through its i-MULA 50 initiative, designed to make life insurance more accessible and affordable for 100,000 eligible Malaysians.

LIAM chief executive officer Mark O’Dell said the initiative provides a one-off RM50 subsidy for each qualifying life insurance policy, with coverage including benefits for death, total and permanent disability, critical illness, medical expenses and hospital income.

"With SPIF, we are allocating an RM5mil fund to benefit 100,000 eligible Malaysians, focusing on youth, young families and first-time buyers to own a life insurance protection plan at an affordable premium by subsidising RM50 for each policy,” he said in his welcoming remarks at the SPIF launch event here.

Also present were Bank Negara Malaysia (BNM) deputy governor Adnan Zaylani Mohamad Zahid and LIAM president Raymond Lew.

O’Dell said Wednesday's (Aug 28) event was in celebration of LIAM’s 50th Anniversary and highlighted the significance of launching the i-MULA 50 during National Month, describing it as a time to reflect on the nation’s journey and LIAM’s contribution to nation-building.

Meanwhile, in a statement, LIAM said under the i-MULA 50 programme, 11 life insurance companies would be offering 31 affordable protection plans starting Wednesday and would run until the RM5mil fund is fully utilised.

"To maintain affordability, the annual premiums for these plans range from RM75 to RM600. Policyholders are required to make an annual premium payment of at least RM25 to receive the RM50 subsidy, ensuring that policyholders fully understand the insurance product they plan to purchase,” the statement read.

At the event, Lew said the insurance and takaful industry, in consultation with BNM, has conducted a study in 2022 on the B40 and M40 segments to design tailored microinsurance products for the low-income market, where the insights from the research have led to the launch of SPIF.

He said the study identified key risks like accidents, health issues, income loss and bereavement, guiding insurers to develop affordable products that addressed those needs and promoted inclusive growth.

"Featuring low premium insurance plans and customised products from Perlindungan Tenang initiative, this fund provides basic life insurance coverage at subsidised premiums, making it more accessible, especially for first-time buyers who may have previously found insurance cost unaffordable,” he added.

Besides that, Lew said LIAM, over the years, has been instrumental in promoting financial protection and planning through education and contributing to the community and national economic development.

Therefore, he said the association is dedicated to continuing its efforts to increase insurance penetration and financial protection among Malaysians for years to come. - Bernama

Tags / Keywords: LIAM , Starter Pack Insurance Fund , i-MULA 50 , Life Insurance , Affordable

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