Tokio Marine Travel Insurance

Tokio Marine travel insurance will protect and cover you whether you are traveling abroad or within Malaysia. As a result, you will be able to travel in peace, knowing that if an emergency arises, this coverage will protect you.

What is travel insurance?

Travel insurance is a type of coverage that protects you and your family from various risks while traveling in Malaysia or overseas. It usually covers medical expenses, lost luggage, flight cancellations, and other losses that a traveler may incur while on the road. Travel insurance will be available for one-way, round-trip, and annual trips, both domestic and overseas.

About Tokio Marine

Tokio Marine is a Japanese insurance company that first appeared in Malaysia in 1957 when Tokio Marine and Fire Insurance Company Limited (TMF) began its underwriting business, and the operation was established in 1974. Tokio Marine Insurans (Malaysia) now has over 19 branches throughout the country and is committed to providing innovative and competitive insurance.

Why should I choose Tokio Marine travel insurance

The reason you should choose Tokio Marine travel insurance is that they provide a variety of benefits in a single policy and have a variety of travel insurance options such as

  • Travel Personal Accident
  • Domestic Travel Plus
  • Tokio Marine Explorer
  • Tokio Marine Annual Explorer

How do I contact Tokio Marine for further information?

If you have any inquiries about Tokio Marine travel insurance, please contact at 03-7628 3877 / 03-7841 5770 or E-mail via

I am not a Malaysian. Is it possible for me to purchase the plan?

Tokio Marine travel insurance only applicable to Malaysian, Malaysian Permanent Resident, Work Permit Holder, Employment Pass Holder or otherwise legally employed in Malaysia and/or his/her legal Spouse and Child/Children.

What are the types of products they have for travel insurance?

Tokio marine provides four (4) types of travel insurance products:

  • Travel Personal Accident
  • Domestic Travel Plus
  • Tokio Marine Explorer
  • Tokio Marine Annual Explorer

Eligible age for the plan?

Travel Personal Accident

Age limit – 2 years old to 70 years old

Domestic Travel Plus

Age limit – 30 days to 80 years old with no limit on a number of children under family coverage

Tokio Marine Explorer

Age limit – Between 18 years old and 75 years old

Tokio Marine Annual Explorer

  • Individual Age limit – Between 30 days old and 85 years old
  • Family Age limit – A fully-dependent child is defined as a person aged 30 days to under 18 years old or up to 23 years old who is studying full-time in Malaysia

When is the period of the coverage?

  • Travel Personal Accident – Based on your traveling period
  • Domestic Travel Plus – Travel coverage from 1 day up to 90days
  • Tokio Marine Explorer – The maximum number of days allowed per journey or trip is 180 consecutive days from the date of departure.
  • Tokio Marine Annual Explorer– The maximum number of days allowed per journey or trip is 90 consecutive days from the date of departure

Is it possible for me to make a nomination for this plan?

Yes. You can nominate the person or representative that you have chosen for all Tokio representant insurance plans.

If I’m holding a one-way ticket, am I eligible to purchase this plan?

Yes. You are eligible to purchase a Tokio Marine travel insurance plan.

What is the procedure for canceling my coverage and receiving a refund of the premium paid?

The cancellation procedure may differ depending on the type of coverage plan you select

  • Travel Personal Accident & Tokio Marine Annual Explorer
  • You may cancel your policy by providing them with written notice. You have entitled to a refund of the premium less the premium based on their short period rates for the period the policy was in force, subject to the minimum premium retained by them

  • Domestic Travel Plus & Tokio Marine Explorer
  • You may cancel your policy by providing them with written notice. However, no premium refunds will be permitted.

Who do I contact for emergency assistance or if I need to be admitted to a hospital while overseas?

You can contact Tokio Marine 24 hours Auto Assist Hotlines at 03-7628 3877 / 03-7841 5770 or Email via

What does Tokio Marine travel insurance cover?

The following are the Tokio Marine travel insurance policies that will cover each product selection:

Travel Personal Accident

  • Death And Permanent Disablement
  • Medical Expenses

Domestic Travel Plus

  • Personal Accident
  • Medical Expenses
  • Daily Hospital Allowance (due to Accident)
  • Personal luggage and Personal effects
  • Travel Delay
  • Repatriation Expenses of Mortal Remains
  • Compassionate Allowance due to Kidnap

Tokio Marine Explorer & Annual Explorer

  • Personal Accident
  • Repatriation Of Mortal Remain Or Overseas Burial/Cremation
  • Medical And Related Expenses
  • Emergency Medical Evacuation
  • Travel Cancellation Or Postponement
  • Additional Costs Of Rental Car Cover

Click here to see more coverage/benefits you can received.

What are other benefits under Tokio Marine travel insurance?

Domestic Travel Plus

  • Available in basic and premier plans
  • Inbound Tourists traveling within Malaysia are covered
  • Hazardous Water Activities coverage for medical expenses incurred as a result of an accident while participating in hazardous water activities
  • Terrorism Cover for death or bodily harm caused by a terrorist act

Tokio Marine Explorer & Annual Explorer

  • Accidental Death & Permanent Disablement
  • Repatriation or Overseas Burial/Cremation
  • Travel Curtailment or Disruption
  • Golfers Cover
  • Trauma Care
  • Extreme Activities (with additional premium)

What adventurous activities are covered?

The adventurous activities are covered such as

  • Winter activities – Skiing, sledding, snowmobiling, ice skating, snowboarding, and more
  • Aerial Activities – Bungee jumping, hang-gliding, parachuting, and more
  • Water Activities – Parasailing, jet skiing, canoeing & rafting (Class 1 to 3)

What countries does your policy cover?

Domestic Travel Plus

The journey must begin in Malaysia and must remain within Malaysia.

Tokio Marine Explorer & Annual Explorer

  • Area 1
  • Australia, Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Korea, Laos, Macau, Malaysia (from Peninsular Malaysia to East Malaysia or vice versa), Maldives, Myanmar, New Zealand, Pakistan, Philippines, Singapore, Sri Lanka, Taiwan, Thailand, and Vietnam

  • Area 2 (Worldwide)
  • EXCLUDING – United States of America, Canada, Tibet, Nepal, North Korea, Syria, Cuba, Iran, Iraq, Liberia, Sierra Leone, Crimea, and Sevastopol

  • Area 3 (Worldwide)
  • EXCLUDING -North Korea, Syria, Cuba, Iran, Iraq, Liberia, Sierra Leone, Crimea and Sevastopol

What are some of the policy’s general exclusions?

This policy does not cover death or injury caused by or due to

  • War and allied risks
  • Radioactive and nuclear weapon material accidents
  • Suicide (whether sane or insane) or any attempt thereat
  • Intoxicating liquor or drug not prescribed by qualified registered medical practitioner
  • Illness, diseases, infections
  • Criminal acts

There are a few more general exclusions that you should be aware of.

How much do I have to pay for Tokio Marine travel insurance?

The premium you must pay will vary depending on the plan you choose, the duration of coverage, and the destination.

Can I pay for Tokio Marine travel insurance on an installment basis?

Unfortunately, you are unable. The premium must be made and received by them before coverage begins.

How do I make a claim for Tokio Marine travel insurance?

When you are in unexpected circumstances, you must follow five (5) steps in order to file a claim:

  1. Notify Tokio Marine
  2. You must notify Tokio Marine in writing as soon as possible, within the time frame specified in your policy, with full details of the incident/accident

  3. Lodge a police report
  4. If the loss or damage involves the theft of personal luggage/personal money/travel documents/personal effects and/or an accident, lodge the police report within 24 hours

  5. Contact travel assistance
  6. Contact Tokio Marine 24-hour worldwide assistance (Medical assistance, Travel assistance) at 603-7628 3877/ 603-7841 5770

  7. Notify airline
  8. Report to the carrier if your luggage is late or lost

  9. Submit claim
  10. Return the duly completed Claim Form along with the requested documents.

I think I’m ready to buy. What’s the best way to purchase my travel insurance?

Our user-friendly website is the best place to buy your travel insurance. You can compare and select the best travel insurance policy for your needs and budget.