Travel Insurance 101: Things You Need to Know

Key Points

  1. Travel insurance is a type of insurance that covers the costs and losses associated with traveling.
  2. Travel insurance is a great way to protect yourself from any unforeseen events, such as lost luggage, medical expenses covered while traveling.
  3. Don’t wait until the last minute to purchase your travel insurance.

With more people vaccinated and travel being on everyone’s mind, the world feels like it is once again reachable. Travel restrictions may not yet have been fully lifted but there are still many places that can be visited without worry.

As we know, travel restrictions are expected to re-open gradually rather than all at once. We’ll see some countries loosening their imposed limits early on, while others will follow later

It’s a good idea to take precautions before you go on your next adventure. Traveling in the post-pandemic world can be a daunting experience, especially when you know that there are many things that could go wrong while you’re away from home.

International travel is an exciting, but risky experience that can result in accidents. Although the percentage of plane crashes is lower each year, to ensure you have peace of mind when traveling, it is essential to purchase travel insurance.

When traveling, it is important to purchase travel insurance, in case you are unfortunate enough for any accidents or emergencies. The cost may seem daunting at first but purchasing this extra layer of protection can help save your life and money if accidents happen!

What Is Travel Insurance?

Travel insurance is a type of insurance that covers the costs and losses associated with traveling. It is a useful protection for those traveling domestically or abroad.

If you’re planning on traveling to any countries that have established a mandatory travel insurance requirement, be sure to purchase specific coverage for COVID-19 treatment, hospitalization and more.

What Does Travel Insurance Cover?

A common question, what does travel insurance cover? Some of us might think travel insurance covers only for luggage loss or flight delay, but it is more than that. Below are some key features of travel insurance products that you need to know, according to the General Insurance Association of Malaysia (PIAM).

Loss of luggage

This will cover accidental loss or damage caused by the carrier, as well as any items that get stains during transport!

Loss of passport and money

You are eligible for a reimbursement of expenses if your lost passport was reported within 24 hours. Additional hotel charges, travel and other expenses incurred in the country you visited will be reimbursed too.

Death and permanent disablement

You are normally covered for death and total permanent disablement within 365 days following an accident. The compensation will depend on the type and amount of benefits that are offered by your insurer.

Hospitalization and medical expenses

Covering the costs of your hospitalization, medical expenses and daily allowances up to a maximum number of days, if you are hospitalized for 24 hours or more.


The insurer will provide reimbursement for the cost of returning remains to home in case of accidental death.


You will be reimbursed for any expenses incurred due to loss of travel or accommodation paid if your journey is canceled.


Your insurer may pay you up daily to the specified maximum number of days if your journey is interrupted for more than 12 hours due to an act of hijack.

Travel Guidelines In Malaysia

With the recent outbreak of Covid-19, many countries are now requiring travelers to have travel insurance that covers medical expenses related.

Visitor To Malaysia

The government has made it compulsory for non-Malaysians who travel to Malaysia to acquire Covid-19 travel insurance coverage. It is not required for Malaysians to purchase it if they travel within Malaysia.

Malaysian Travel To Singapore

With the COVID-19 virus sweeping through Malaysia, it’s important to purchase travel insurance. If you are a Malaysian and ready to travel to Singapore, you must purchase a minimum coverage of S$30,000 for COVID-19-related medical treatment and hospitalization costs in Singapore. Under the VTL, fully vaccinated travelers from Malaysia can enter Singapore without quarantine.

Why Should I Purchase Travel Insurance?

There are a number of reasons why you should consider purchasing travel insurance before your next adventure.

Expensive Medical Cost

Medical costs are always an issue when traveling to another country. Depending on where you’re going, your medical expenses could end up costing more than what was originally planned for and cause quite a bit of stress in the process.

We know that the small cost of getting a simple and affordable insurance plan definitely greatly outweighs any potential high costs you may face in a medical emergency overseas.

Wide Coverage

As we mentioned above, travel insurance not only covers your medical costs in other countries, but also provides other benefits. The travel insurance plan is there to protect you from all sorts of things that could go wrong during your trip, even if it’s just something as minor and simple-sounding as missing a flight connection or losing some baggage.

Affordable And Easy To Access

People think that travel insurance is expensive and lots of hassle to purchase. The truth is, it is very easy to get one. When you purchase your flight ticket, you can choose to purchase travel insurance as an add-on.

When Should I Get Travel Insurance?

Don’t wait until the last minute to purchase your travel insurance. The earlier you buy it, the more coverage and peace of mind that it provides for when unexpected circumstances arise on a trip, so don’t procrastinate!

Exclusion For Travel Insurance

One of the most important things to remember about travel insurance is that it comes with specific exclusions. We listed down some of the common exceptions below.

  • War risks
  • Suicide and insanity
  • AIDS
  • Provoke murder or assault
  • Childbirth or miscarriage
  • Hazardous sports
  • Baggage delay and loss of baggage and personal effects due to seizure or destruction under quarantine or custom regulation


Travel insurance is a great way to protect yourself from any unforeseen events while traveling. In today’s world, there are many risks that can happen to you on your travels. You might get sick or injured and need medical care which could cost a lot of money back home but with travel insurance these worries become less daunting as it covers most expenses.

If your wallet gets stolen while traveling, your insurer will provide a cash advance to you to meet your travel-related expenses. The visa rejection cover ensures that you are fully compensated for any fees related to your application being refused because of no fault or negligence on part of the insured person.

Purchasing a travel insurance policy is highly encouraged as it provides the protection you need in an unknown land. However, it’s important to do research and find the right policy for yourself. Choose one that suits you the most and protects you adequately. Once this step has been taken care of then simply relax while enjoying yourself on vacation!

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