Compare Travel Insurance in Malaysia

Planning your next holiday?

Whether you’re travelling overseas or taking a trip within Malaysia, travel insurance can help protect you against unexpected expenses and travel disruptions.

Depending on the plan, travel insurance may cover things such as medical expenses, emergency evacuation, trip cancellation, travel delays, baggage loss and personal liability.

If you’re looking for travel insurance in Malaysia, here are several plans and providers you may come across.

RHB Annual Travel Protector

RHB’s Annual Travel Protector Insurance is designed for travellers who travel frequently throughout the year.

The plan provides protection for overseas travel, including medical expenses and travel inconveniences.

Some of the published benefits include:

• Medical coverage up to RM600,000
• Emergency medical evacuation and repatriation up to RM3,000,000
• Travel cancellation and curtailment benefits
• Travel delay benefits
• Protection for other travel inconveniences

RHB also offers a Travel Protector Plus plan with medical expenses of up to RM500,000. (RHB Travel Insurance)

Tokio Marine Explorer

Tokio Marine Explorer is a travel insurance plan available for both domestic and international trips.

The current product has Basic, Essential and Deluxe plans, allowing travellers to choose different levels of protection.

Depending on the plan, benefits include:

• Accidental death and permanent disablement
• Medical-related expenses
• Emergency medical evacuation and repatriation
• Daily hospital allowance
• Travel cancellation and curtailment
• Travel delay and other inconvenience benefits
• Personal belongings protection
• Personal liability
• Rental car cover
• Home care benefits
• Selected lifestyle protection

The Deluxe Plan also includes Cancellation For Any Reason (CFAR), subject to the policy’s terms and conditions.

Tokio Marine introduced its current upgraded Explorer plans from January 2026, including CFAR, complimentary flight-delay lounge access for selected plans and a group discount. (Tokio Marine Explorer)

Pacific Travel Pro

Travel Pro from The Pacific Insurance Berhad provides travel protection for both domestic and international trips.

The plan covers a range of travel-related risks, including:

• Accidental death and permanent disablement
• Medical and other expenses
• Emergency medical evacuation
• Repatriation expenses
• Trip cancellation
• Trip curtailment
• Travel delay
• Missed departure
• Travel misconnection
• Loss or damage to personal property
• Personal liability

The maximum period of cover is up to 182 consecutive days for a single trip. For an annual multi-trip policy, each trip can be covered for up to 90 consecutive days, subject to the policy terms. (Pacific Travel Pro)

Pacific Insurance’s current 2026 Product Disclosure Sheet also confirms that Travel Pro remains an available product. (Pacific Insurance PDS)

Zurich Z-Travel

Zurich Z-Travel provides travel insurance for both international and domestic trips.

For international travel, Zurich currently offers different levels of coverage, including Lite, Basic, VIP, Silver, Gold and Diamond options, depending on the product and purchase channel.

Benefits can include:

• Accidental death and permanent disablement
• Medical expenses
• Emergency medical evacuation and repatriation
• Trip cancellation and curtailment
• Travel delay
• Baggage delay
• Personal liability
• Home care benefits
• Emergency cash
• Travel assistance

For the international Z-Travel product, the published medical expense limit ranges from RM100,000 for the Lite Basic option to unlimited for the Diamond plan, while emergency medical evacuation and repatriation can also reach unlimited coverage for selected plans. (Zurich Z-Travel)

Zurich also offers Z-Travel Domestic for trips within Malaysia, with different benefit limits from the international product. (Zurich Z-Travel Domestic)

Allianz Travel Insurance

Allianz also offers travel insurance for domestic and overseas trips.

Its current travel products include Allianz Travel Easy and Allianz Travel XPert, with different levels of coverage.

Depending on the plan, benefits include:

• Accidental death and permanent disablement
• Medical expenses
• Emergency medical evacuation and repatriation
• Trip cancellation
• Loss or damage to personal luggage
• Luggage delay
• Travel delay
• Travel assistance
• Selected leisure sports activities

Current published limits for Allianz Travel XPert include medical expenses of up to RM350,000 for the Classic Plan and RM550,000 for the Prestige Plan. Emergency medical evacuation and repatriation can reach RM10 million for these plans. (Allianz Travel Insurance)

Liberty Travel Insurance

Liberty Insurance Malaysia also offers travel insurance.

Its current product range includes Travel Star, which provides protection for travellers, including benefits such as personal accident coverage, medical evacuation and repatriation.

Liberty also lists travel-related products for specific distribution partners, so available plans may differ depending on how the policy is purchased. (Liberty Insurance products)

Which Travel Insurance Should You Choose?

There is no single travel insurance plan that is suitable for every traveller.

Before buying a policy, compare the benefits that matter most to your trip.

Travelling overseas?

Pay close attention to:

• Overseas medical expenses
• Emergency medical evacuation
• Repatriation
• Trip cancellation
• Travel delay
• Baggage protection
• Personal liability

Medical and evacuation limits are especially important when travelling to countries where healthcare costs are high.

Travelling within Malaysia?

You may not need the same level of coverage as an overseas trip.

Instead, look at benefits such as:

• Personal accident
• Medical expenses
• Travel delay
• Trip cancellation
• Baggage protection

Travelling several times a year?

An annual travel insurance plan may be worth comparing with buying separate single-trip policies for every journey.

However, check the maximum number of days allowed for each trip and the destinations covered.

Compare Travel Insurance Through BJAK

If you want to compare travel insurance online, BJAK currently lists travel plans from Zurich, Allianz and Liberty on its travel-insurance platform.

The available plans and benefits can change, so it is better to check the current quotation rather than relying on an old list of insurers or fixed benefit amounts.

When comparing plans, look beyond the premium.

Check the:

• Medical coverage
• Emergency evacuation limit
• Trip cancellation coverage
• Baggage coverage
• Travel delay benefits
• Personal liability
• Policy exclusions
• Maximum trip duration
• Destination restrictions

Most importantly, read the policy wording and Product Disclosure Sheet before purchasing.

Compare Travel Insurance Plans

Travel With More Confidence

Travel insurance cannot prevent your flight from being delayed or your luggage from being lost.

What it can do is provide financial protection when certain unexpected events covered by your policy happen during your trip.

So before you fly, take a few minutes to compare the available plans, coverage limits and exclusions.

Choose a plan based on your destination, trip duration and the type of protection you actually need.