You’ve seen it after booking your flight and you might wonder — is it absolutely necessary to buy travel insurance? You might say no, and exit the page. In most cases, your trips will be as planned without any hitch. But, it’s better to be safe than sorry especially when a well-planned trip could be ruined by external factors such as cancelled flights, lost luggage or getting ill in a foreign place. Not only your plans are ruined, but you’ll also end up having to pay for these misfortunes! This is why it’s handy to have travel insurance, especially if you’re a solo female traveller or travelling for a long period of time. The insurance policy will include everything from lost items like money or luggage, to cancelled flights to significant ones like emergency medical treatment abroad or (touch wood) death. To help you travel worry-free, we’ve rounded up six of the best travel insurance you can travel with. Check it out!
7 travel insurances in Malaysia
1. Best for COVID-19 protection: SOMPO TravelSafe
Post-pandemic travel has one thing that keeps a lot of travellers worried: getting Covid prior to or during travelling. So, get protected with SOMPO TravelSafe, a comprehensive travel policy that provides coverage for unforeseen events during the trip. Contrary to popular belief, travel insurance is not just for international travel, but it’s also helpful when you’re travelling within Malaysia! After all, Covid can happen anywhere and anytime!
The best part is, that SOMPO TravelSafe is extended to cover losses resulting from COVID-19 diagnosis! For instance, the Overseas Travel Plan Elite A covers up to RM500,000 in case you’re hospitalised overseas or RM25,000 if you’re hospitalised during your Domestic Travel*. If you were diagnosed with COVID-19 before your trip and have to cancel your bookings, you’re covered up to RM15,000 (for Overseas Travel Plan Elite A) and RM1,000 for Domestic Travel. If you have to cut your overseas trip short due to COVID-19, you’re also covered up to RM15,000. You know the saying: it’s better to be safe than sorry!
2. Best value for money: Etiqa Trip Care 360
With up to RM500,000 medical coverage and a relatively generous lost or damaged luggage coverage of up to RM5,000, the Etiqa Trip Care 360 plan arguably offers the best bang for the buck. All that, for a one-week trip to South Korea for a single adult, only costs RM68.25! You can buy travel insurance on their website too, which makes it super easy!
3. Best for adrenaline junkies: Allianz Travel Easy (Allianz Travel Care)
Does your travel plan also include hiking some mountains or diving in the deep blue sea? Then, Allianz Travel Easy’s Allianz Travel Care insurance plan is the best for you. It covers sports activity and high-altitude mountaineering, PLUS coverage for damaged sports equipment — perfect for all of your outdoor activities!
4. Best for personal liabilities: AXA Affin Smart Traveller Plan Classic
If you’re planning to stay at AirBnbs during the duration of your trip, getting on AXA Affin Smart Traveller Plan Classic is a smart idea in case you damage the property as it covers up to RM1 mil! And if you lose your travel documents such as passports or credit cards, the insurance policy can even cover up to RM7,500 making it the best policy for personal liabilities!
5. Best for baggage loss: Tune Protect (COVID Plus Plan)
With all the news about lost luggage, and delayed and cancelled flights all over Europe, the Tune Protect (COVID Plus Plan) is your best insurance policy as it covers up to RM5,000 in case your luggage gets lost!
6. Best for accident and medical expenses: AIG Malaysia Travel Insurance
The AIG Malaysia Travel Insurance Deluxe plan has the highest coverage of up to RM20 mil for emergency medical evacuation and repatriation of mortal remains and up to RM1 mil for medical expenses.
7. For travel cancellations: Chubb Travel Insurance
If you’re planning to travel where flight cancellations are a normal occurrence (cough Europe airport strikes cough), getting on Chubb Travel Insurance is a good idea as it covers up to RM50,000! Not just airport strikes, but the insurance policy would also cover travel cancellations if there are environmental disasters such as volcano eruptions, earthquakes, tsunamis and many more. If you’re a golfer, there’s also an add-on golfer benefit!
There you have it! Choose the perfect travel insurance when you travel to have a worry-free trip! For more travel inspiration, check out our articles: