Best Travel Insurance in Malaysia

Looking for the best travel insurance in Malaysia? We help you find one so you can travel with a peace of mind.

Features

Get Protected Without The Cost

If you are looking to travel in or out of Malaysia, get protected without the need to pay a high price. Your protection starts from as low as RM15 – ensuring a worry-free travel.

360 Degree Coverage

It doesn’t matter who or what you are getting the insurance for. PolicyStreet ensures that you can find a plan that fits your needs – domestic or internationa travel for individual or family.

Covid-19 Coverage

With one of the most serious pandemic in recent times, it is important to be financially protected against it. Not only that, some countries require you to have an insurance before you are allowed to travel in the country – and PolicyStreet makes it easy for you to purchase a plan with Covid-19 coverage.

Why Choose PolicyStreet?

With PolicyStreet, you can ensure that you get the best travel insurance in Malaysia before you go for your holidays. No longer do you need to stress yourself as we help do the comparisons and find the best deal for you for FREE.

Licensed Financial Advisor

PolicyStreet is a financial advisor approved by Bank Negara Malaysia (Central Bank of Malaysia).

No Hidden Fees

When you purchase your insurance with us, you can rest assured that there will be no hidden charges as our services are FREE.

Price Match Guarantee

We have a “Best Price Match” policy whereby we will match all advertised prices from competitors.

Trusted by thousands of Malaysians

Used by more than 100,000 Malaysians, you can be certain that you will enjoy personalised and trusted services with PolicyStreet.

What People Say About Us!

FAQs About Travel Insurance in Malaysia

1. Why do I need travel insurance?

Travel insurance in Malaysia is a preventative strategy. If you have a travel mishap and suffer a major financial or emotional loss, the payment you get from your insurer will help minimize the financial and emotional impact. You may rest easy knowing that you will be fully or partially reimbursed for your losses.

Unlike car insurance, travel insurance is not required in Malaysia. As a result, many travellers prefer not to purchase it because they assume nothing bad would happen to them. However, due to all of the elements beyond your control, travelling puts you at even greater risk.

2. What does travel insurance in Malaysia cover?

  • medical emergencies
  • trip cancellation
  • trip interruption
  • delays
  • medical evacuation
  • lost, damaged, or stolen luggage

3. What are the common exclusions?

  • pre-existing medical conditions
  • sexually transmitted diseases (STDs)
  • mental health disorders
  • unattended baggage
  • pregnancy-related complications
  • acts of war
  • extreme sports and activities

4. What is a pre-existing medical condition?

A pre-existing condition is an accident, sickness, or medical condition that prompted treatment, produced symptoms, or necessitated medicine. This might have happened any time within the previous 120 days, up to and including the plan’s time of purchase.

5. When should I buy travel insurance in Malaysia?

In general, you can purchase it at any time prior to your departure date. However, it’s usually a good idea to purchase insurance as soon as you make your bookings. The sooner you purchase it, the more protected you will be and the more advantages you will be entitled for.

6. What are the things to consider before buying travel insurance in Malaysia?

  • Terms of claims

    Before registering into any web portal, it is normal to overlook the terms and conditions. When it comes to insurance, however, missing vital information might result in higher premiums or, in the worst-case scenario, claim rejection. As a result, make sure you comprehend the statements you’re making.

  • Duration of the trip

    The premium you pay for your travel insurance in Malaysia coverage is determined by the number of days you want to stay at a particular location. The cost of a three-week trip is significantly more than a one-week trip.

  • Medical benefits and amount insured

    It’s especially crucial to double-check medical benefits and the coverage you’ll get in the event of a claim, because hospitalisation costs vary by country.

  • Destination

    If your destination is recognised to be a high-risk zone or is known for adventurous activities, your insurance rate will go up because you are in a risky area.

7. Can I change my plan within the same insurer?

We can’t just say that all requested changes will be accepted without understanding the specifics of your plan or the events that led to your need for change. Your insurer will most likely try to work with you as long as you haven’t left on your trip.

8. Is it possible to add non-family members to my plan?

Travelers covered by a single policy must live in the same place. Yes, you can include your non-family travelling companion if they have the same address as you. If you want to be sure they’re covered, you’ll need to get a separate plan.

9. What if I’m travelling to more than one country?

The majority of insurance covers travel to various countries throughout the world. If there are certain countries excluded, they will be listed for your information.

10. Is a medical checkup required before purchasing a policy?

Most insurance companies don’t require you to do a medical checkup before purchasing a policy. However, please keep in mind that pre-existing medical issues are not covered.

11. Is it possible to get travel insurance if I’m not going on a cruise, tour, or flying?

Yes, absolutely! For a variety of travel needs, most insurers offer a choice of travel insurance products.

12. How much does it cost?

Travel insurance in Malaysia normally costs 5 to 10% of your overall trip cost, though this can vary depending on a number of factors, such as:

  • Age
  • Cost of expenditure during your trip
  • The level of protection you select
  • The number of persons that are covered by your insurance coverage
  • Destination
  • Duration of your trip

13. Can I pay travel insurance policy on an installment basis?

Some insurers do provide the convenience of paying in installments. However, there will be installment fees charged for each payment unless you pay for your insurance in full.

14. What are the modes of payment?

  • Visa
  • MasterCard
  • GrabPay
  • Touch n Go Ewallet
  • Boost
  • FPX