Compare and Find the Best Travel Insurance In Malaysia

Last updated: 6 February 2014
Insurer & Product name Travel Cancellation Personal Property & Baggage Travel Document Personal Money Flight Delay Death & TPD Medical Expenses Buy Online
Takaful IKHLAS IKHLAS Kembara Takaful Plan A
Takaful IKHLAS Kembara Takaful Plan A personal accident insurance
1,000 1,000 - - - 10,000 1,000

Other Travel Benefits

Baggage Delay -
Travel Misconnection -
Travel Overbooked -

Other Accident Benefits

Personal Liability 50,000
Funeral Expense -
Repatriation of Mortal Remains -
Hospitalisation 2,500
Immediate Death Expense 500

 

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Takaful IKHLAS IKHLAS Kembara Takaful Plan B
Takaful IKHLAS Kembara Takaful Plan B personal accident insurance
2,000 2,000 - - - 20,000 2,000

Other Travel Benefits

Baggage Delay -
Travel Misconnection -
Travel Overbooked -

Other Accident Benefits

Personal Liability 100,000
Funeral Expense -
Repatriation of Mortal Remains -
Hospitalisation 5,000
Immediate Death Expense 1,000

 

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Insurer & Product name Travel Cancellation Personal Property & Baggage Travel Document Personal Money Flight Delay Death & TPD Medical Expenses Buy Online
Allianz Adult Plan
Allianz  Adult Plan personal accident insurance
20,000 5,000 5,000 800 2,000 200,000 1,000,000

Other Travel Benefits

Baggage Delay 800
Travel Misconnection 250
Travel Overbooked 250
Additional Cost - car rental 1,000
Credit Card Indemnity 5,000
Hijacking 6,000
Home Care 1,000
Natural Disaster at Destination 2,000
Pet Hotel 300
Terrorism Yes

Other Accident Benefits

Personal Liability 1,000,000
Funeral Expense 8,000
Repatriation of Mortal Remains -
Child Care 5,000
Compassionate Visit 5,000
Dispatch of Medication 3,000
Hospital Income (per day) 300

 

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AXA SmartTraveller Classic Plan
AXA SmartTraveller Classic Plan personal accident insurance
- - - - - 100,000 50,000

Other Travel Benefits

Baggage Delay -
Travel Misconnection -
Travel Overbooked -

Other Accident Benefits

Personal Liability -
Funeral Expense -
Repatriation of Mortal Remains 5,000
Loss of Limb / Sight 100,000
Compassionate Visit 5,000
Emergency Medical Evacuation Unlimited
Emergency Medical Repatriation Unlimited
Follow-up Treatment in Malaysia 10,000

 

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AXA SmartTraveller Gold Plan
AXA SmartTraveller Gold Plan personal accident insurance
20,000 5,000 5,000 5,000 2,000 250,000 200,000

Other Travel Benefits

Baggage Delay 800
Travel Misconnection 300
Travel Overbooked 200
Additional Cost - car rental 1,000
Credit Card Indemnity 5,000
Golf Equipment Cover 2,000
Hijacking 10,000
Home Care 5,000
Ransom due to Kidnapping 100,000
Replacement Traveller 3,000
Travel Reroute 250

Other Accident Benefits

Personal Liability 1,000,000
Funeral Expense -
Repatriation of Mortal Remains Unlimited
Loss of Limb / Sight 125,000
Alternative Medicine 500
Child Care 5,000
Child Education Fund 10,000
Compassionate Visit 5,000
Quarantined Cover 2,000
Emergency Medical Evacuation Unlimited
Emergency Medical Repatriation Unlimited
Follow-up Treatment in Malaysia 20,000
Hospital Income (per day) 350

 

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AXA SmartTraveller Platinum Plan
AXA SmartTraveller Platinum Plan personal accident insurance
20,000 7,500 7,500 7,500 3,200 500,000 300,000

Other Travel Benefits

Baggage Delay 1,600
Travel Misconnection 500
Travel Overbooked 400
Additional Cost - car rental 1,000
Credit Card Indemnity 10,000
Golf Equipment Cover 5,000
Hijacking 10,000
Home Care 5,000
Ransom due to Kidnapping 200,000
Replacement Traveller 5,000
Travel Reroute 500

Other Accident Benefits

Personal Liability 1,000,000
Funeral Expense -
Repatriation of Mortal Remains Unlimited
Loss of Limb / Sight 250,000
Alternative Medicine 1,000
Child Care 8,000
Child Education Fund 20,000
Compassionate Visit 8,000
Quarantined Cover 3,000
Emergency Medical Evacuation Unlimited
Emergency Medical Repatriation Unlimited
Follow-up Treatment in Malaysia 30,000
Hospital Income (per day) 350

 

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AXA SmartTraveller VIP Plan
AXA SmartTraveller VIP Plan personal accident insurance
20,000 7,500 7,500 7,500 3,200 300,000 300,000

Other Travel Benefits

Baggage Delay 800
Travel Misconnection 200
Travel Overbooked 3,000
Additional Cost - car rental 1,000
Credit Card Indemnity 5,000
Hijacking 10,000
Home Care 5,000
Ransom due to Kidnapping 100,000
Travel Reroute 200

Other Accident Benefits

Personal Liability 1,000,000
Funeral Expense -
Repatriation of Mortal Remains Unlimited
Loss of Limb / Sight 300,000
Alternative Medicine 1,000
Child Care 5,000
Child Education Fund 10,000
Compassionate Visit 7,500
Quarantined Cover 6,000
Emergency Medical Evacuation Unlimited
Emergency Medical Repatriation Unlimited
Follow-up Treatment in Malaysia 30,000
Hospital Income (per day) 350

 

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Kurnia Insurans Kurnia Care Travel Insurance Plan 1
Kurnia Insurans Kurnia Care Travel Insurance Plan 1 personal accident insurance
7,500 2,500 2,500 500 1,000 100,000 100,000

Other Travel Benefits

Baggage Delay 500
Travel Misconnection -
Travel Overbooked -
Hijacking 5,500

Other Accident Benefits

Personal Liability 500,000
Funeral Expense -
Repatriation of Mortal Remains -

 

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Kurnia Insurans Kurnia Care Travel Insurance Plan 2
Kurnia Insurans Kurnia Care Travel Insurance Plan 2 personal accident insurance
7,500 2,500 5,000 500 2,000 200,000 200,000

Other Travel Benefits

Baggage Delay 500
Travel Misconnection -
Travel Overbooked -
Hijacking 11,000

Other Accident Benefits

Personal Liability 500,000
Funeral Expense -
Repatriation of Mortal Remains -

 

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Kurnia Insurans Kurnia Care Travel Insurance Plan 3
Kurnia Insurans Kurnia Care Travel Insurance Plan 3 personal accident insurance
7,500 2,500 7,500 500 3,000 300,000 300,000

Other Travel Benefits

Baggage Delay 500
Travel Misconnection -
Travel Overbooked -
Hijacking 16,500

Other Accident Benefits

Personal Liability 500,000
Funeral Expense -
Repatriation of Mortal Remains -

 

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Kurnia Insurans Kurnia Travel Supreme Plan A
Kurnia Insurans Kurnia Travel Supreme Plan A personal accident insurance
10,000 2,500 2,500 2,500 1,500 100,000 100,000

Other Travel Benefits

Baggage Delay 500
Travel Misconnection -
Travel Overbooked 1,500
Additional Cost - car rental 1,000
Additional Cost - hotel 2,250
Additional Cost - mobile 50
Credit Card Indemnity 500
Hijacking 2,500
Home Care 500
Travel Reroute 100

Other Accident Benefits

Personal Liability 1,000,000
Funeral Expense -
Repatriation of Mortal Remains 5,000
Loss of Limb / Sight 100,000
Alternative Medicine 500
Child Care 5,000
Child Education Fund 7,500
Compassionate Visit 5,000
Emergency Medical Evacuation 500,000
Emergency Medical Repatriation 500,000
Follow-up Treatment in Malaysia 15,000
Hospital Income (per day) 350

 

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Kurnia Insurans Kurnia Travel Supreme Plan B
Kurnia Insurans Kurnia Travel Supreme Plan B personal accident insurance
20,000 5,000 5,000 5,000 3,000 300,000 300,000

Other Travel Benefits

Baggage Delay 1,000
Travel Misconnection -
Travel Overbooked 3,000
Additional Cost - car rental 2,000
Additional Cost - hotel 3,750
Additional Cost - mobile 100
Credit Card Indemnity 1,000
Hijacking 5,000
Home Care 1,000
Travel Reroute 200

Other Accident Benefits

Personal Liability 1,000,000
Funeral Expense -
Repatriation of Mortal Remains 10,000
Loss of Limb / Sight 300,000
Alternative Medicine 1,000
Child Care 5,000
Child Education Fund 10,000
Compassionate Visit 7,500
Emergency Medical Evacuation 1,000,000
Emergency Medical Repatriation 1,000,000
Follow-up Treatment in Malaysia 30,000
Hospital Income (per day) 350

 

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Lonpac Easy Travel Classic
Lonpac Easy Travel Classic personal accident insurance
2,500 1,500 1,500 - 250 100,000 100,000

Other Travel Benefits

Baggage Delay 250
Travel Misconnection 50
Travel Overbooked -
Additional Cost - hotel 1,000
Additional Cost - legal 5,000
Hijacking 2,500

Other Accident Benefits

Personal Liability 300,000
Funeral Expense -
Repatriation of Mortal Remains 15,000
Alternative Medicine 250
Burns 5,000
Compassionate Visit 2,500
Emergency Medical Evacuation 200,000

 

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Lonpac Easy Travel Premier
Lonpac Easy Travel Premier personal accident insurance
5,000 3,000 3,000 - 500 200,000 200,000

Other Travel Benefits

Baggage Delay 500
Travel Misconnection 100
Travel Overbooked -
Additional Cost - hotel 2,000
Additional Cost - legal 10,000
Hijacking 5,000

Other Accident Benefits

Personal Liability 500,000
Funeral Expense -
Repatriation of Mortal Remains 30,000
Alternative Medicine 500
Burns 10,000
Compassionate Visit 5,000
Emergency Medical Evacuation 400,000

 

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Lonpac TravelNet Gold
Lonpac TravelNet Gold personal accident insurance
10,000 5,000 5,000 500 1,000 300,000 500,000

Other Travel Benefits

Baggage Delay 1,000
Travel Misconnection 200
Travel Overbooked -
Additional Cost - car rental 500
Additional Cost - hotel 2,000
Additional Cost - legal 20,000
Hijacking 10,000
Home Care 5,000

Other Accident Benefits

Personal Liability 1,000,000
Funeral Expense -
Repatriation of Mortal Remains Unlimited
Broken Bones 1,000
Burns 20,000
Coffin Reimbursement 2,000
Compassionate Visit 5,000
Emergency Medical Evacuation Unlimited

 

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Lonpac TravelNet Silver
Lonpac TravelNet Silver personal accident insurance
5,000 2,500 2,500 250 500 150,000 250,000

Other Travel Benefits

Baggage Delay 500
Travel Misconnection 100
Travel Overbooked -
Additional Cost - car rental 250
Additional Cost - hotel 1,000
Additional Cost - legal 10,000
Hijacking 5,000
Home Care 2,500

Other Accident Benefits

Personal Liability 500,000
Funeral Expense -
Repatriation of Mortal Remains 30,000
Broken Bones 500
Burns 10,000
Coffin Reimbursement 1,000
Compassionate Visit 2,500
Emergency Medical Evacuation 500,000

 

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MSIG TravelRight Plus
MSIG TravelRight Plus personal accident insurance
18,000 5,000 5,000 800 3,600 250,000 300,000

Other Travel Benefits

Baggage Delay 800
Travel Misconnection 600
Travel Overbooked 1,000
Additional Cost - car rental 1,000
Additional Cost - hotel 2,000
Hijacking Covered
Home Care 500
Terrorism Covered
Travel Reroute 250

Other Accident Benefits

Personal Liability 1,000,000
Funeral Expense 5,000
Repatriation of Mortal Remains 1,000,000
Alternative Medicine 500
Child Care 5,000
Child Education Fund 7,500
Compassionate Visit 5,000
Emergency Medical Evacuation 1,000,000
Emergency Medical Repatriation 1,000,000
Follow-up Treatment in Malaysia 30,000
Hospital Income (per day) 250

 

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Tokio Marine Insurans Travel Partner
Tokio Marine Insurans Travel Partner personal accident insurance
15,000 5,000 5,000 5,000 3,600 200,000 300,000

Other Travel Benefits

Baggage Delay 800
Travel Misconnection 200
Travel Overbooked 200
Additional Cost - car rental 1,000
Arrival Delay 250
Hijacking 900
Home Care 1,000

Other Accident Benefits

Personal Liability 1,000,000
Funeral Expense -
Repatriation of Mortal Remains 5,000
Alternative Medicine 500
Child Care 5,000
Child Education Fund 7,500
Compassionate Visit 5,000
Emergency Medical Evacuation 1,000,000
Emergency Medical Repatriation 1,000,000
Follow-up Treatment in Malaysia 30,000
Hospital Income (per day) 350

 

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Frequently Asked Questions

What is travel insurance?

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

How does travel insurance work?

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

What does travel insurance cover?

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

What doesn’t travel insurance cover?

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

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

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

How to claim for loss/damage?

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

How to compare and find the right travel insurance?

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

The easiest way to compare between all the major travel insurance plans available in Malaysia is to refer to our travel insurance comparison table above. To get more details from a particular plan, simply click on “Tell me more +”. You could also switch between Takaful and conventional travel insurance plans by clicking on “Travel Insurance (Takaful)” and “Travel Insurance (Conventional)”.

To be directed to the insurance company’s homepage and to find out how you can apply for a travel insurance online, click on “More Info”.

Got questions about travel insurance? Ask in the comment box below.