You see it after booking a flight and you might be thinking – is travel insurance absolutely necessary? You might say “no” and exit the page. In most cases, your trip will go smoothly as planned. But it’s better to be safe than sorry, especially when a well-planned trip can be ruined by external factors like canceled flights, lost luggage or getting sick in a foreign country. Not only are your plans ruined, but you end up paying for those misfortunes! That’s why it’s convenient to purchase travel insurance, especially if you’re a solo female traveler or on a long-term trip. The policy will cover anything from lost items like money or luggage, to canceled flights, to major events such as medical emergencies or death abroad. To help you travel worry-free, we’ve rounded up six of the best travel insurance plans you can take with you. check it out!
7 Malaysia Travel Insurance
1. Best for COVID-19 Protection: SOMPO TravelSafe
Post-pandemic travel has one thing that worries many travelers: catching COVID-19 before or during a trip. So you can be protected with SOMPO TravelSafe, a comprehensive travel insurance policy that provides coverage for the unexpected during your trip. Contrary to popular belief, travel insurance is not only for international travel, but it is also helpful when you are traveling within Malaysia! After all, COVID-19 can happen anywhere, anytime!
Best of all, SOMPO TravelSafe has been extended to cover losses due to a COVID-19 diagnosis! For example, Overseas Travel Plan Elite A covers up to RM500,000 if you are hospitalized overseas and up to RM25,000 if you are hospitalized during domestic travel*. If you are diagnosed with COVID-19 before traveling and have to cancel your booking, you will be covered up to RM15,000 (for overseas travel plan Elite A) and RM1,000 for domestic travel. You are also covered up to RM15,000 if you have to cut short your overseas travel due to COVID-19. You know the saying: better safe than sorry!
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2. Best value for money: Etiqa Trip Care 360
The Etiqa Trip Care 360 plan provides up to RM500,000 of medical insurance and a relatively generous up to RM5,000 of lost or damaged luggage insurance, which can be said to be the most cost-effective plan. All of this, and a one-week trip to Korea for an adult only costs RM68.25! You can also buy travel insurance on their website, it’s really easy!
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3. Best for adrenaline junkies: Allianz Travel Easy (Allianz Travel Care)
Do your travel plans also include hiking the mountains or diving in the deep blue sea? Then Allianz Travel Care Insurance Plan from Allianz Travel Easy is the perfect choice for you. It covers sports activities and high-altitude mountaineering, plus it covers damaged sports equipment – perfect for all your outdoor activities!
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4. Best for personal debt: AXA Affin Smart Traveler Plan Classic
If you plan to stay in AirBnbs during your trip, joining AXA Affin Smart Traveler Program Classic is a smart choice in case you damage your property as it covers up to RM1 million! The policy even covers up to RM7,500 if you lose your travel documents like passport or credit card, making it the best policy for personal liability!
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5. Best for lost luggage: Tune Protect (COVID-19 program)
With news about lost luggage, flight delays and cancellations all over Europe, Tune Protect (COVID-19 Plus Plan) is your best insurance as it provides compensation up to RM5,000 if your luggage is lost!
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6. Best for Accident and Medical Expenses: AIG Malaysia Travel Insurance
The maximum coverage for AIG Malaysia Travel Insurance Deluxe Plan is up to RM20 million for emergency medical evacuation and repatriation of remains and up to RM1 million for medical expenses.
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7. For trip cancellation: Chubb Travel Insurance
If you are planning to travel to places where flight cancellations are frequent (cough European airports cough), it is a good idea to purchase Chubb travel insurance as it covers up to RM50,000! Not just airport strikes, insurance policies cover travel cancellations due to environmental disasters like volcanic eruptions, earthquakes, tsunamis, etc. If you are a golfer, there are additional golfer benefits!
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you have it! Choose the perfect travel insurance when you travel and make your trip worry-free! For more travel inspiration, check out our articles:
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