3 Takaful Travel Insurance Offering The Best Coverage
Nabil Farhan· · 4 min readTable of contents
Going on holiday without travel insurance can leave you paying out of pocket when something unexpected happens. A medical emergency overseas, a cancelled trip, a delayed flight, or lost baggage can quickly add to your travel costs.
If you are looking for travel insurance through BJAK, you can currently compare plans from Zurich, Allianz, and Liberty (including Shariah-compliant takaful protection).
1. Zurich Z-Travel Takaful
Zurich Z-Travel Takaful provides Shariah-compliant travel protection for international trips. Several plan levels are available, including Silver, Gold, and Diamond, with coverage limits scaling based on the option you select.
Key Benefits
- Accidental Death & Permanent Disablement: Up to RM500,000
- Medical Expenses: Up to RM500,000 (Unlimited under the Diamond Plan)
- Emergency Medical Evacuation & Repatriation: Up to RM1 million (or unlimited under selected plans)
- Trip Cancellation or Curtailment: Up to RM30,000
- Travel Delay: Up to RM7,200
- Baggage Delay: Up to RM2,000
- Personal Liability: Up to RM1 million (under selected plans)
- Home Care Benefits: Up to RM5,000
- 24-Hour Worldwide Assistance: Included (plus coverage for selected amateur sports activities)
What to check: Benefits vary significantly between plan levels (e.g., medical coverage ranges from RM50,000 under Gold to Unlimited under Diamond). Always review the specific tier benefits rather than relying on headline figures alone.
2. Allianz Travel Easy
Allianz Travel Easy is a versatile travel insurance plan covering both overseas and domestic travel, protecting against common travel disruptions.
Key Benefits
- Accidental Death & Permanent Disablement: Up to RM200,000
- Overseas Medical Expenses: Up to RM200,000
- Emergency Medical Evacuation & Repatriation: Up to RM1 million
- Trip Cancellation: Up to RM25,000
- Baggage & Personal Effects: Included
- Travel Delay & Loss of Travel Documents: Included
- 24-Hour Travel Assistance: Included
3. Liberty Travel Star
Liberty Travel Star offers comprehensive travel protection for medical emergencies, personal accidents, and general travel inconveniences during your trip.
Key Benefits
- Accidental Death & Permanent Total Disablement: Up to RM250,000 (for adults)
- Overseas Medical Expenses: Up to RM300,000
- Emergency Medical Evacuation & Repatriation: Up to RM300,000
- Trip Cancellation or Curtailment: Up to RM15,000
- Baggage & Personal Effects: Up to RM4,000
- Loss of Travel Documents: Up to RM5,000
- Travel Delay: Up to RM2,000
- Personal Liability: Up to RM1 million
- 24-Hour Worldwide Assistance: Included
Comparison Table: 3 Travel Insurance Options
| Benefit | Zurich Z-Travel Takaful | Allianz Travel Easy | Liberty Travel Star |
| Accidental Death & Disability | Up to RM500,000 | Up to RM200,000 | Up to RM250,000 |
| Medical Expenses | Up to RM500,000 (Unlimited under Diamond) | Up to RM200,000 | Up to RM300,000 |
| Emergency Evacuation & Repatriation | Up to RM1 million (Unlimited under selected plans) | Up to RM1 million | Up to RM300,000 |
| Trip Cancellation / Curtailment | Up to RM30,000 | Up to RM25,000 | Up to RM15,000 |
| Baggage / Personal Effects | Plan-dependent | Plan-dependent | Up to RM4,000 |
| Personal Liability | Up to RM1 million (under selected plans) | Plan-dependent | Up to RM1 million |
(Note: Table displays selected international benefits. Coverage limits, exclusions, and eligibility vary by specific plan options and policy terms.)
Note on Other Takaful Providers (Takaful Malaysia & Etiqa)
While Takaful Malaysia offers Takaful myTravel PA (with features like RM500,000 medical coverage and unlimited evacuation), it is not currently listed on BJAK’s travel insurance platform. Similarly, older plans like Etiqa TripCare 360 are no longer offered on BJAK’s travel panel. When comparing options on BJAK, focus on the three active providers: Zurich, Allianz, and Liberty.
Do You Still Need COVID-19 Coverage?
COVID-19 should no longer be the primary factor when selecting a plan. Instead, prioritize essential financial safeguards:
- Overseas Medical Expenses & Evacuation
- Trip Cancellation & Curtailment
- Baggage Loss, Damage, or Delay
- Flight Delays & Personal Liability
- 24-Hour Emergency Assistance
If an insurer offers illness-related add-ons, review the latest policy wording for exact conditions.
How to Choose the Right Travel Insurance
- Destination: Ensure the policy geographical zone matches your travel destination.
- Medical Expense Limits: High-cost healthcare regions require higher coverage limits.
- Non-Refundable Costs: Match cancellation limits to prepaid flights, tours, and hotels.
- Baggage Limits: Check overall limits as well as per-item caps for valuables.
- Planned Activities: Verify whether adventure sports (e.g., scuba diving, skiing) require special add-ons or are excluded.
- Policy Exclusions: Check terms regarding pre-existing medical conditions or travel advisories.
Compare Travel Insurance Options on BJAK
BJAK allows you to easily evaluate policies from Zurich, Allianz, and Liberty in one place. If you prefer Shariah-compliant coverage, Zurich Z-Travel Takaful provides a dedicated takaful solution on the platform.
Compare Travel Insurance on BJAK
