Compare Travel Insurance in Malaysia

Planning a holiday soon?

Whether you’re travelling overseas or taking a trip within Malaysia, travel insurance can help protect you from unexpected costs.

Depending on the plan, travel insurance may cover:

• Medical expenses
• Emergency medical evacuation
• Trip cancellation
• Travel delays
• Lost or delayed baggage
• Personal liability
• Repatriation

However, not every plan offers the same benefits or limits.

If you’re looking for travel insurance in Malaysia, it is important to compare the coverage before buying.

What Should You Look for in Travel Insurance?

The right travel insurance depends on your destination, trip length and type of holiday.

Before choosing a plan, check these benefits:

1. Medical coverage

Medical treatment overseas can be expensive.

Check the maximum medical coverage offered by the plan. Also look at exclusions and any conditions that apply.

2. Emergency medical evacuation

If you become seriously ill or injured during a trip, you may need to be moved to another hospital or returned to Malaysia.

This is why the emergency evacuation and repatriation limit is important, especially for overseas travel.

3. Trip cancellation and curtailment

Some policies provide benefits if you need to cancel or cut short your trip because of a covered event.

Always check the list of covered reasons before buying.

4. Travel delay

Flight delays can result in extra expenses.

Depending on the policy, you may receive compensation after meeting the required conditions and delay period.

5. Baggage protection

Travel insurance may provide protection if your baggage is lost, damaged or delayed.

Check the maximum amount payable and any limits for individual items.

6. Personal liability

Some travel policies also provide personal liability protection if you accidentally cause injury to another person or damage their property.

Travel Insurance Plans Available Through BJAK

BJAK currently offers travel insurance options from Zurich, Allianz and Liberty.

The plans and benefits available may change, so always check the current quotation and policy documents before purchasing.

Zurich Travel Insurance

Zurich Insurance Group offers travel insurance products for both international and domestic travel.

Depending on the plan, benefits may include:

• Medical expenses
• Emergency medical evacuation
• Repatriation
• Trip cancellation
• Trip curtailment
• Travel delay
• Baggage protection
• Personal liability
• Travel assistance

Zurich also offers different levels of coverage for international travel. The available benefits and limits depend on the selected plan.

For the latest coverage, check the policy wording and Product Disclosure Sheet before purchasing.

Allianz Travel Insurance

Allianz offers travel insurance for eligible domestic and overseas trips.

Depending on the selected plan, coverage may include:

• Accidental death and permanent disablement
• Medical expenses
• Emergency medical evacuation
• Repatriation
• Trip cancellation
• Baggage loss or damage
• Baggage delay
• Travel delay
• Travel assistance

Different plans come with different coverage limits, so compare the benefits rather than looking only at the premium.

Liberty Travel Insurance

Liberty Mutual also offers travel insurance in Malaysia.

Depending on the product and distribution channel, travel protection may include benefits such as:

• Personal accident coverage
• Medical expenses
• Emergency medical evacuation
• Repatriation
• Travel inconvenience benefits
• Baggage protection

The exact benefits depend on the plan purchased.

Which Travel Insurance Is Suitable for You?

There is no single travel insurance plan that is best for everyone.

Your needs can change depending on where you are going and what you plan to do.

Travelling overseas

For international trips, pay close attention to:

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

Medical and evacuation coverage can be especially important in countries where healthcare costs are high.

Travelling within Malaysia

Domestic travel insurance may have different coverage from an overseas plan.

You can compare benefits such as:

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

Check the policy terms to understand exactly what is covered.

Travelling several times a year

If you travel frequently, an annual travel insurance plan may be worth considering.

Instead of buying separate cover for every trip, an annual plan may cover multiple trips during the policy period.

However, check the maximum number of days allowed for each trip and any destination restrictions.

How to Compare Travel Insurance in Malaysia

Don’t choose a plan based only on price.

Before buying, compare:

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

A cheaper plan may not provide the level of protection you need.

At the same time, you don’t necessarily need the most expensive plan if its extra benefits are not relevant to your trip.

Compare Travel Insurance Through BJAK

If you want to compare travel insurance in Malaysia, you can check the plans currently available through BJAK.

The available providers and plans may change over time. Your quotation will also depend on factors such as your destination, travel dates and selected coverage.

You can compare travel insurance plans on BJAK.

Before purchasing, review the:

• Premium
• Coverage limits
• Exclusions
• Policy period
• Maximum trip duration
• Claims conditions
• Product Disclosure Sheet

Travel With More Confidence

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

What it can do is provide financial protection when an unexpected event covered by your policy happens.

Before your trip, take a few minutes to compare the available plans.

Choose your coverage based on your destination, trip duration and travel needs. Most importantly, read the policy wording and Product Disclosure Sheet so you know what is covered and what is not.