kuala lumpur travel insurance

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AIG Travel Insurance

A complete travel protection that covers flight delay, loss of personal belongings, trip cancellation, medical expenses & more.

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 including COVID-19 coverage for you to fully enjoy your trip.

Our most popular features include

Overseas  COVID-19 coverage such as Medical Expenses up to RM700,000 , Quarantine Allowance and more. 

Reimbursement up to RM1 million (including cashless hospital admission)

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

Lump sum payout up to RM400,000

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

If you get into an accident in a rented car during the trip,  we’ll cover the excess charges up to RM3,000.

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 !

#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!

We'll ask you the below information to get a quote & buy 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

• Product Disclosure Sheet 
• Policy Wording 
• Policy Amendment Form 
• Direct Debit Authorization Form
• Beneficiary Nomination Form 
• Make A Claim 
• Travel Claim Checklist 
• Travel Claim Notification Form 
• Claims Payment Method 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.

Travel Insurance and Takaful

One of the best online travel insurance and takaful in malaysia., tripcare 360 insurance.

Get coverage for travel delays, loss of baggage, medical emergencies and other travel inconveniences.

• 25% rebate when you apply online
• Cashless medical care
• Coverage for loss of valuables and travel delays
• Add-on options for adventurous activities
• New COVID-19 coverage for your overseas travels

TripCare 360 Takaful

Get coverage (with Shariah-compliant plan) for travel delays, loss of baggage, medical emergencies and other travel inconveniences.

• Cash back when you make no claims for the annual plan

Travel Ezy Insurance

Get compensated for domestic flight delays

• Get paid RM60 when your flight is delayed by 30 minutes or more

i-Travel Ezy Takaful

Get compensated (with Shariah-compliant plan) for domestic flight delays.

What our customers say about us

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

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

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

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

© 2023 Etiqa. All Rights Reserved.

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Malaysia Travel Insurance

Travel insurance for malaysia.

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

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

How Does Travel Insurance for Malaysia Work?

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

Our Suggested AXA Travel Protection Plan

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

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

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

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

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

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

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

Baggage Benefits: 

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

Medical Benefits: 

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

Pre-Departure Travel Benefits: 

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

Post-Departure Travel Benefits

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

Additional Optional Travel Benefits 

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

Do I Need Travel Insurance for Malaysia?

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

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

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

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

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

How Much Does Travel Insurance Cost for Malaysia?

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

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

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

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

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

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

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

AXA covers three types of medical expenses:

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

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

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

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

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

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

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

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

2.When should I buy Travel Insurance to Malaysia?

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

3.Do Americans need travel insurance in Malaysia?

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

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

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

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

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

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

AXA already looks after millions of people around the world

With our travel insurance we can take great care of you too

Get AXA Travel Insurance and travel worry free!

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Speak with one of our licensed representatives or our 24/7 multilingual insurance advisors to find the coverage you need for your next trip.

Airport Transfer

Things to do, travel insurance.

Imagine worry-free travels

With full protection from our travel insurance, worry-free travel is no longer a dream. Together with our insurance partner, we have got you covered against any problems you may encounter during your trip, from delays, cancellations, loss of items, to accidents.

Flight Insurance

Being away from home can invoke a certain kind of worry. That is why Traveloka presents these meticulously designed insurance plans that suit all your needs, relieving you from any unwelcome disruption throughout your trip. We want to ensure that you will be protected, from the day of your departure until the day of your return.

Plans & Benefits

Together with Chubb Insurance Malaysia Berhad (9827-A), we bring you Chubb Travel Protection. Designed to provide you with maximum protection during your trip, Chubb offers two types of plans based on your flight route.

• Domestic Plan Customized for all flights flying within Malaysia
• International Plan Customized for all international flights departing from Malaysia ( Zone 1 , Zone 2 , Zone 3 ).

Please click here for country list.

Medical & Travel Accident Benefits

Travel inconvenience benefits.

Personal Accident, Medical Expenses, Emergency Medical Evacuation & Repatriation of Mortal Remains benefits for Dependent Children and Insured Persons aged 75 & above will be 25% of the respective benefit amounts stated.

For Infants, it will be 10% of the respective benefit amount stated.

The complete insurance terms and conditions are detailed in Chubb Travel Protection Policy Wordings .

What does Chubb Travel Protection cover?

Find your insurance coverage details below.

Please note that the maximum amount of coverage may vary depending on the Insurance Plan suited for your travel route.

• Baggage & Personal Items Protection (or Loss Or Damage Of Baggage And Personal Effects in Policy Wordings ) covers your hand-carried or check-in personal goods during the journey.
• Wheelchair(s), baby/children stroller(s) or sports equipment(s), however, are not included. For travel documents, you may claim the loss under Loss of Travel Documents . Please refer to Policy Wordings for more details.
• Any loss or damage of baggage must be reported to the police or relevant authority evidencing such loss or damage within twenty-four (24) hours after the incident. You are required to attach the report with your claim submission.
• Travel documents include passport, visas, travel tickets, identity card and driving license.
• Any loss of travel documents must be reported to the police or relevant authority evidencing such loss within twenty-four (24) hours after the incident. You are required to attach the report with your claim submission.
• You are not allowed to claim under both Baggage & Personal Items Protection and Loss of Travel Documents for the same travel document.
• Valid if, during your trip, you sustain a bodily injury due to an unforeseen, or a sudden and fortuitous event, which results in death and/or permanent disability within 365 days after the accident date.
• Indemnity will be paid for one loss only.
• Payment is not including any loss caused by or resulting from sickness.

For more details on the extent of the coverage, you can read the insurance policy here

• Valid when your check-in baggage on the scheduled flight is not delivered to you within six (6) hours of your arrival at the destination.
• This benefit applies to maximum one delay per journey.

For more details on the extent of the coverage, you can read the insurance policy here .

• Valid when your scheduled flight is delayed for at least six (6) consecutive hours due to civil commotion or industrial action, adverse weather conditions or mechanical breakdown.
• The delay must be verified in writing by the airline or their handling agent, as well as the number of hours delayed and the reason for the delay.
• Valid when you are forced to cancel a part or the whole of your planned trip due to specified causes.
• You are suffering from a terminal condition, becoming ill or sustaining a bodily injury, so you are not allowed to travel.
• You or your family member(s) is/are sick or has/have passed away, sustain(s) a bodily injury, or need(s) to receive an inpatient treatment at a hospital.
• Cancellation of scheduled public transportation services because of civil commotion or riot.
• Your house becomes uninhabitable due to fire, storm, or flood, so you cannot travel.
• You cannot commence or continue your journey due to natural disaster.
• Coverage only applies to actual scheduled flight cost which have not been or will not be used, but which become forfeit or payable under contract.

Besides the above mentioned, please see more information on the other benefits available to you here .

• Terms & Conditions

The terms and conditions of Chubb Travel Protection are as follows:

• Only valid for flights originating from Malaysia.
• Applicable for travelers at least 18 years of age on the Effective Date. An Insured Person may also include a Dependent Child(ren) or an Infant if specifically named in the Certificate of Insurance.
• Insurance is non-refundable.
• Covers the Insured Person during the entire trip.
• Valid for the first forty-five (45) consecutive days of any Journey, unless otherwise mentioned.

How to Claim

Insurance claim can be submitted via walk-in, as well as through email and posted mail. To submit your insurance claim, please follow these steps.

Claim Submission via Walk-in

• Walk in to Chubb office at Wisma Chubb, 38 Jalan Sultan Ismail, 50250 Kuala Lumpur, Malaysia . The office’s operating hours are 8:30am to 5:15pm from Monday to Friday. Your claim must be submitted within 31 days from the date of incident.
• Bring along all the required supporting documents. Missing out documents will result in the need for clarification and thus will delay the assessment of your claim.

Claim Submission via Email or Posted Mail

• Download a copy of Chubb Travel Protection claim form here . Your claim must be submitted within 31 days from the date of incident.
• Complete the relevant sections and questions of the claim form. Missing out details will result in the need for clarification and thus will delay the assessment of your claim.
• Ensure that you collate and attach all the required supporting documents to your claim form. Missing documents usually result in the need for clarification and thus will delay the assessment of your claim.
• Your claim form and supporting documents may be submitted by email at [email protected] or via post to Chubb offices.
• Once the claim has been submitted, you will receive a confirmation of your claim number within seven (7) working days after Chubb has received your documents.
• Chubb will process your claim within 14 working days once the required documents are complete. You will receive your payment notification or decline letter by email.

Required Documents for Claim Submission

Frequently asked questions.

Find the answers to your questions about Travel Protection here!

Travel Protection is a product from Chubb Insurance Malaysia Berhad (9827-A) that is specially designed for Traveloka customers.

• Travel Protection is currently available for flights purchased on Traveloka Malaysia website.
• Travel Protection only covers flights originating from Malaysia.

It will depend on the flight you purchase. The exact price of the insurance can be seen in the Booking Form.

Please refer to Plans & Benefits .

We’re sorry, but adding insurance to a completed booking is not possible.

Yes. Purchase of insurance will only be stated in your receipt of payment. You will receive the details of your purchased policy in a separate email from Chubb besides the e-ticket issued by Traveloka.

Travel Protection is only available for domestic trips that are no longer than 30 days; or international trips that are no longer than 45 days between departure date and return date.

To continue benefiting from the purchased Chubb insurance after rescheduling your flight, please contact Chubb at +603 2058 3196 or email to [email protected] to update your policy (subject to terms and conditions).

We’re sorry, but Travel Protection cannot be canceled or refunded once payment is made.

Please refer to How to Claim .

Claims must be submitted within 31 days after the date of occurrence.

Claims will be processed within 14 days after the complete documents have been received.

Please do not hesitate to contact Chubb Malaysia via: Wisma Chubb, 38, Jalan Sultan Ismail, 50250 Kuala Lumpur, Malaysia Phone: +603 2058 3196, or 1800 88 2846 Email: [email protected] (Monday to Friday, 8:30am to 5:15pm)

For immediate help, please contact Chubb Assistance at +603 7628 3703 (available 24-hour).

Contact Chubb Malaysia

If you have any inquiries, do not hesitate to contact Chubb Malaysia.

Chubb Assistance | Emergency Hotline

(60)3 7628 3703

Chubb Insurance Malaysia Berhad (9827-A) Wisma Chubb 38 Jalan Sultan Ismail, 50250 Kuala Lumpur, Malaysia Phone: 1 800 88 2846 (within Malaysia) or +603 2058 3000 (outside Malaysia) Email: [email protected] Monday to Friday: 8:30 AM to 5:15 PM

Book Your Flight

Choose your destination and travel date, then book a flight.

Add on Travel Protection

Fill in booking details, then scroll down and tick on the Travel Protection check box.

Proceed with Your Booking Payment

Total price includes your travel insurance.

Receive Insurance Policy

Insurance policy will be sent separately to your email.

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• Trip cancellation/travel disruptions
• Emergency evacuation
• Natural disasters

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Why is travel insurance important?

Travel insurance is there to help cover unexpected costs that would otherwise put you out of pocket - medical costs can be very high in some countries so it's important to have suitable cover for that.

It’ll usually include cover for situations like:

• Emergency medical expenses
• Cancelling or cutting your trip short
• Lost luggage
• Flight delays
• Personal liability claims

Can I get travel insurance with COVID-19 coverage?

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Generali products are underwritten by Generali Insurance Malaysia Berhad (formally known as AXA Affin General Insurance Berhad) (Company No: 197501002042 (23820-W)). iBanding Services Sdn. Bhd. (Company No: 201601033012 (1203953-T)) is the marketing partner of Generali Insurance Malaysia Berhad. All services will be provided by GIMB directly.

Malaysia Insurance Agency | General Insurance Agent

Connecting you with the right insurance provider, travel insurance.

Flight delay, damage or loss luggage, illnesses are some of the common claims that we process every year.

Whether you are travelling for leisure or business, travel insurance gives you the comprehensive protection.

Travel Insurance Benefits include:

• Up to RM10.0 million Medical Expenses
• 24 Hours Worldwide Travel Assistance
• Covers Acts of Terrorism, Hijacking and Natural Disaster
• Travel Inconvenience – travel cancellation, travel delay, Travel Misconnection, Luggage delay/damage, Loss of Money etc.
• Emergency Medical Evacuation and Repatriation – up to Unlimited Sum Insured
• Covid-19 coverage include Medical and Emergency Evacuation & Repatriation Expenses, Travel Cancellation, Travel Curtailment and Quarantine Allowance benefits

If you are a frequent traveler, it is worthwhile to purchase an annual plan. It covers unlimited number of trips in a policy year up to 90 consecutive days each trip.

Travel Insurance Plans are available for individual or family.

Contact Us Now for a solution

Our dedicated team can review your current coverage and customise a plan to meet your insurance needs at the most competitive premium.

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Travel insurance

Whether you are visiting a different part of the country or the other side of the world, travel insurance protects you from the cost of delayed or cancelled transport, broken or stolen possessions, or emergency medical treatments. .

However, not all travel insurance performs as well as you need it to. Our consultants arrange high-quality cover that protects you when your trip runs into problems.   

Policy highlights  

Single trip or annual basis

Select the level of cover you need. Choose between cover for a single planned trip, or for any trips you take over the next 12 months.

Our 24/7 claims process is fast and painless - even during peak travel seasons.

Avoid problematic, lengthy, stressful travel claims and delayed payments. If you need to make a claim on your policy, just call our claims team on the dedicated 24/7 claims hotline. 

Excess waiver cover as standard

Ease the stress of hire cars with Damage Collision Excess Waiver included as standard.   

Travel Delay

Triggers when your pre-booked transport is delayed for more than 6 hours.

Baggage Damage / Delay

Reimburses on the loss or damage to your baggage, including delay by the carrier.

Emergency Medical Expenses

Pays for overseas emergency medical, hospital and dental expenses.

Emergency Medical Transportation

Covers for emergency transportation to move you to the nearest hospital.

Trip Cancellation

Recover cancellation costs due to unforeseeable events beyond your control.   

Also available as Takaful

All of our risk management solutions are available as Shari'ah compliant Takaful. Speak to our specialist Takaful consultants today.

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Visit us at: Level 27, Menara Etiqa No. 3 Jalan Bangsar Utama 1, 59000 Kuala Lumpur

Pacific Insurance Travel Pro Travel Insurance

Underwritten by:

The Pacific Insurance Berhad (91603-K) 40-01, Q Sentral, 2A Jalan Steen Sentral 2, Kuala Lumpur Sentral, 50470 Kuala Lumpur, Wilayah Persekutuan, Malaysia.

• +603- 2633 8999
• 1-800-88-1629 (Toll-Free Line)

Agent Details:

Senang Travel & Tours Sdn Bhd

(Agent No: AY19069)

Premiums & Estimates

*all prices listed are taken from individual adult plans. prices are subject to the number of days and location of travel., asian countries, new zealand and australia, international (worldwide), why travel pro insurance, family first.

The best value for money if you're travelling as a family. Family is limited to 2 adults and 3 children, just perfect size for a vacation.

Vacation Friendly

Benefits tailored to fit the needs of a traveling family - get compensated for lost golf sets, domestic pet care and many other.

Flight Delay

Get compensated for RM150 every 6 consecutive hours delayed due to covered incidents or events. Stay calm and collect.

Death or Permanent Disablement

Claims ranging from RM150,000 to RM500,000, subject to individual age group.

Medical Expenses

RM25,000 – RM1,000,000 sum insured for medical expenses, follow up treatment in home country starting from RM5,000 within 14 days.

Baggage, Document Losses

RM5,000 insured for Loss of Personal Baggage and Effects, RM2,500 sum insured for loss of Travel Document (Silver plan).

Travel Inconveniences

Up to RM10,000 sum insured for Trip Curtailment, RM100 for Missed Connection (at least 6 hours), RM150 for each consecutive 6 hours Travel Delay.

Summary of Benefits

Check out the benefits and coverages offered by this insurer, or download the Product Disclosure Sheet here.

Benefit amounts displayed will vary depending on insurance plan and travel destination. For baseline, only lower tier plans will be used as example.

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Gabungan Baiduri Sdn Bhd (532042-M)  111, Tingkat 1, TTDI Adina Jalan Judo 13/45, Seksyen 13, 40675 Shah Alam, Selangor

Tel : +603 5031 3933 Fax : +603 5031 3934 Email: [email protected]

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By clicking on ‘Start Now’ below, you will leave RHB Banking Group's website which its privacy policy will cease to apply and you will be redirected to a third party website.

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Complete coverage

to protect what's precious to you.

Instant Rebate

Enjoy up to 25% rebate when you buy or renew your insurance with us.

24/7 Assistance

Get emergency assistance for your insurance concerns from our professional assistants.

Easy Online Payment

Pay your insurance premiums quickly and securely via credit or debit cards of your choice.

Quick Claims Process

Submit new claims or check on existing ones in just a few clicks.

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Get RM250 Shopee e-vouchers and RM25 cashback when you activate and spend with your RHB Credit Cards/-i.

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Click here to check out the monthly and grand prize winners. The winner will receive an SMS and email at their registered phone number and email address to redeem the prize.

Save up to 40% on car insurance premium

Motor saver is uniquely designed for you to pay only for the miles you make. It is an optional premium rebate on your RHB Private Car insurance compre-hensive policy as per to the mileage of your choice.

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About RHB Insurance

RHB Insurance Berhad was incorporated on 7 March 1978 and we have been privileged to serve Malaysians for the past four decades. At RHB Insurance, we are proud to be a widely recognised local brand and we run our business with Malaysians' best interest at heart.

With our solid foundation and wide local network coverage, we continue to lead in the local market. In other words, we know your needs. We are relentless in our pursuit of excellence, constantly looking for opportunities to enhance our wide range of products to serve our customers better via a wide network of RHB Insurance branches, RHB Bank Berhad branches, POS Malaysia Bhd offices and more than 2000 authorised agents' offices throughout Malaysia.

RHB Insurance aims to put the protection in the hands of all Malaysians – empowering them to change the way they are protected from any unforeseen events. That’s why, we have ventured into the digital platform in providing seamless purchase experience to our customer via online or mobile application too. Now, our customers can save more time for the precious moments that matter with the convenience of technology.

Rahmah Personal Accident Insurance

This is a Personal Accident Plan that provides Indemnity due to Accidental Death/Accidental Permanent Disablement, Hospital Cash Income and Bereavement allowance. Minimum entry age is sixteen (16) years old up to sixty (60) years old.

Terms and Conditions

RHB INSURANCE BERHAD

Before you begin, please make sure you meet the following conditions:

You are a Malaysian or a Permanent Resident

You are 16 to 65 years old

The Policy Coverage Period is 1 year

RM9.90/ Year

• RM5,000 Accidental Death/Permanent Disablement (due to accident)
• RM5/day Hospital Cash Income up to 30 days (due to accident)
• RM500 "Bereavement allowance (due to accident)

RM25.00/ Year

• RM20,000 Accidental Death/Permanent Disablement (due to accident)
• RM30/day Hospital Cash Income up to 30 days (due to accident)
• RM1,000 "Bereavement allowance (due to accident)

If you wish to add more than 1 nominee, please download the NOMINEE FORM and email it to [email protected]

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How may we help you?

Please use the form below to send us your comments or queries.

You may contact us via mail or telephone:

Chubb Insurance Malaysia Berhad

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

Chubb Customer Service

For general enquiries and claims, call

Tol Free: 1800 88 2846 (Mon-Fri: 8.30am to 5.15pm)

Email: [email protected]

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

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For the mailing address, telephone number and email address of any Chubb office in our global network, use our office locator.

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