medical travel insurance malaysia

Malaysia Travel Insurance

Travel insurance for malaysia.

In the beautiful country of Malaysia, Batu Caves is a sight to behold with its many temples and shrines, not to mention the gigantic statue of the Hindu God. Along with the Petronas Twin Towers and other tourist attractions, travelers are sure to enjoy a trip to breathtaking Malaysia. As you plan your incredible itinerary, it is important to remember travel insurance as it can help aid and support you on your travels. Let’s dive in!

• What should your Travel insurance cover for a trip to Malaysia? 

How Does Travel Insurance for Malaysia Work?

• Do I need Travel Insurance for Malaysia? 
• How much does Travel Insurance cost for Malaysia? 

Our Suggested AXA Travel Protection Plan

• What types of medical coverage does AXA Travel Protection plans offer?

Are There Any COVID-19 Restrictions for Travelers to Malaysia?

Traveling with pre-existing medical conditions , what should your travel insurance cover for a trip to malaysia.

At a minimum, your travel insurance should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage. AXA Travel Protection plans are designed with these minimum recommended coverages in mind.

• Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
• Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
• Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
• Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
• Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for Malaysia.

Malaysia has a reputation for being a fairly safe place to visit. However, it is important to learn which areas to avoid and practice safe traveling habits to prevent issues like pickpocketing and theft even in the safest areas. If a thief steals luggage from the baggage area, a travel insurance plan can help replace your bags and the contents inside them. Here is how travelers can benefit from an AXA Travel Protection Plan:

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Medical Benefits: 

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Additional Optional Travel Benefits 

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures. 

Do I Need Travel Insurance for Malaysia?

While the Malaysian government does not require travelers to purchase travel insurance , it offers valuable protection in an unfamiliar area where you may not speak the language or be able to find helpful resources.

You can breathe a sigh of relief knowing that your travel insurance plan backs you up if your travel plans go awry. Why? There are several reasons:

Trip Cancellation: You may not be able to control circumstances such as bad weather, a personal emergency, or an illness that prevents you from traveling. Travel insurance may reimburse you for 100% of the cost of your trip for eligible expenses.

Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.

Trip Interruption: Travel insurance may reimburse you for unexpected expenses due to an unexpected change of plans.

How Much Does Travel Insurance Cost for Malaysia?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans: 

• Total Trip cost:  The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc. 
• Age:  Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals. 

With AXA Travel Protection, travelers to Malaysia will be offered three tiers of insurance:  Silver,   Gold  and  Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs. 

AXA presents travelers with three travel plans – the  Silver Plan ,  Gold Plan , and  Platinum Plan , each offering different levels of coverage to suit individual needs. Given that United Kingdom hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses.

The Platinum Plan is a good choice for Malaysian travelers who want the benefit of extra coverage. For example, " Cancel for Any Reason " is an optional coverage that offers greater flexibility for those who have concerns have concerns about an unexpected cancellation. The Collision Damage Waiver coverage is also available as an option. This coverage pays for damage to a rental car being used during your Malaysia trip.

Golf enthusiasts may be disappointed if their golf game gets rained out or you cannot play for some other reason at one of Malaysia’s fine golf courses or country clubs. Nonetheless, coverage is available on the Platinum Plan for Lost Golf Rounds to reimburse your fees.

What Types of Medical Coverage Do AXA Travel Protection Plans Offer?

AXA covers three types of medical expenses:

• Emergency medical
• Emergency evacuation & repatriation
• Non-medical emergency evacuation & repatriation

Emergency medical: Can cover illnesses such as dengue fever, tuberculosis, or food poisoning. It may also cover injuries such as a broken appendage, injury due to a fall or other injury. Emergency evacuation and repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness. Non-medical emergency evacuation and repatriation: Can cover evacuation or repatriation expenses due to a non-medical event such as an earthquake, typhoon or volcanic eruption.

The Malaysian government has lifted all COVID-19 restrictions for travelers entering the country. They recommend travelers take normal precautions.

Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.  

Our Gold and Platinum  plans offer coverage for pre-existing medical conditions.  The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons, 

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plans with a pre-existing medical condition , so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation. 

1.Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.

2.When should I buy Travel Insurance to Malaysia?

It is advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14 days of making your initial trip deposit.

3.Do Americans need travel insurance in Malaysia?

No, travel insurance is not currently required to visit Malaysia, although you may find it valuable.

4.What is needed to visit Malaysia from the USA?

If you are visiting Malaysia from the USA, all you need is a passport that is valid for at least six months. The government also requires you to have at least one full page in your passport that is blank.

5.What happens if a tourist gets sick in Malaysia?

If you become sick in Malaysia, travelers with AXA Travel protection can contact the AXA Assistance hotline 855-327-1442 . Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

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TripCare 360 Insurance

Flight delayed get cash payout for delays of 2 hours or more..

Get covered for international and domestic travel delays, loss of baggage, medical emergencies and other travel inconveniences.   25% rebate when you buy this plan online. Use our  calculator  to get an estimate of how much you would spend on your travel insurance or takaful.

What's Included

• Cashless Overseas Medical Care
• Baggage Delay
• Travel Delay
• Loss of Valuables
• Loss of Travel Documents
• Death or Permanent Disability
• 24/7 Hotline
• Additional Adventurous Activity Coverage
• New  Additional COVID-19 Coverage

Key Benefits

Enjoy extra peace of mind on your overseas trip by adding Covid-19 coverage to your TripCare 360 plans, with an additional premium.

25% rebate when you buy this plan online.

Help & support, find out what is covered under travel insurance or takaful., 4:3 responsive aspect ratio.

What our customers say about us

The only people whose opinions we value and learn from are our customers.

 I submitted a claim under my travel insurance policy with documents in the morning and to my absolute amazement the claim was paid in the afternoon. In all my years in dealing with insurance companies I have never encountered such efficiency in dealing with claims and I thank the staff of Etiqa involved in processing my claim. Etiqa should be the insurance of choice for everyone 

 It was truly a wonderful experience with the Etiqa customer service at Dataran Maybank. Recently, I went to purchase a travel insurance for my family. The staff at the Customer Service counter was really helpful and friendly. It took me less than 10 mins to get it done. Thumbs up Etiqa! 

 It was such an unpleasant experience when I lost my purse due to theft in Halstatt, Austria last December. However, travel insurance from Etiqa definitely came to the rescue. Upon submission the report to Customer Experience Department of Dataran Maybank, they processed the claim promptly and I received the insured amount ie rm1500 within a few days. What an excellent experience! I subscribed to the same plan for my recent Edinburgh getaway and will definitely subscribe again for my next escapade. 

Tripcare-360 Downloads

Tripcare 360.

• TripCare 360 Insurance_FINAL (English version)
• TripCare 360 Benefits (Infographic)
• TripCare 360 Insurance Policy Contract
• Product Disclosure Sheet TripCare 360 Insurance

Underwritten by Etiqa General Insurance Berhad (197001000276) (Licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia)

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Travel Insurance for Within Malaysia

As Malaysians, we need not go far for amazing travel experiences. Our very own country has a perfect balance of dense natural and urban jungles. From the crystalline waters of the Perhentian Islands to the majestic Petronas Twin Towers, Malaysia is a perfect vacation spot. Spend the day at the lush tea plantation in Cameron Highlands or trek through huge national parks like Gunung Mulu and Taman Negara where you are sure to encounter incredible wildlife. Let’s not forget the giant Borneo Island as it has so many must-see spots. At the Sepilok Orang Utan Rehabilitation Centre in Sabah, you’ll have the chance to watch the remarkable orang utans up close in their natural habitats. If you are there between 10am to 3pm, you’ll get to see the incredible animals being fed milk and bananas from the viewing gallery. Feeding time also attracts long-tailed macaques to the area. One of the best diving locations in the world happens to be in our very own country. Sipadan has diverse marine life and the most gorgeous tropical scenery. Everywhere you turn in Sipadan, you'll see turtles, munching on the sponges and algae, or lazing on the wall ledges. Let’s enjoy our country and savor all the different decadent cuisines and incredible cultures. You will truly fall in love with Malaysia all over again. Malaysia is generally quite warm so pack light clothes and casual footwear. If you are planning on taking a taxi to go around, it’s best to agree on a price upfront if it’s not a metered taxi. Buses are extremely convenient and inexpensive, while domestic flights can be booked for as low as RM100. Attractions in Malaysia are reasonably priced as well. Entries to most national parks are less than RM20 and you can even set up camp at Taman Negara for only RM5 a night. Street stalls have the best food in the country so head to any food court and have a feast. There is even a free walking tour with Airotour where you not only get to see incredible places but learn more about Malaysian history and culture. If you are feeling adventurous, you can attempt to hike through the majestic Mount Kinabalu National Park.

Speaking of insurance, it’s vital to take travel insurance within Malaysia so that you have peace of mind as you explore our exquisite country. If any troublesome mishaps occur, AIG has a comprehensive plan for you that will protect you and loved ones along your journey.

Why do I need Travel Insurance for Malaysia?

Calamities can happen when you least expect it, so it is pivotal to have a solid travel protection plan while you travel in Malaysia. It’s advisable to choose one that offers a comprehensive scope of coverage and goes beyond standard medical insurance. Even if you are heading to East Malaysia, AIG will take care of your Borneo adventures. The last thing you need to deal with after long domestic travel is missing or damaged luggage. With AIG’s all-inclusive coverage, rest easy that these misfortunes will be taken care of. You can rely on us to ‘Jaga’ you by reimbursing unnecessary expenses from unexpected circumstances.

Buy Travel Insurance for Malaysia with AIG

Did you know that you could buy travel insurance for domestic travel for as low as RM12 with AIG? The best part is, it only takes minutes to get a quote and make your purchase. Give yourself a peace of mind as all costs for canceled plans or any abrupt misfortunes are easily reimbursed should your reasons be covered by our policy. All it takes is a few clicks to have your safety, protection and concerns secured by AIG.

Our benefits include:

Comprehensive coverage

Besides overseas emergency medical expenses, medical evacuation costs and personal accident coverage, AIG will provide cover if you are forced to cancel or cut short your trip for reasons covered under our policy. Any flight departure delays, baggage delays, baggage damage or loss, personal items damage or loss due to theft or negligence by service providers, AIG will cover for you.

Medical & Personal Accident Cover

Depending on the plan and product purchased, AIG will cover up to unlimited medical expenses and up to RM 30,000 for personal accidents in Malaysia. Our travel assistance team is on call by phone 24/7 to assist you in any emergency situation, ensuring that you receive appropriate medical care in Malaysia.

Trip Cancellation Cover

AIG will reimburse you for non-refundable expenses incurred if your trip within Malaysia is cancelled due to specific events, within 60 days before your departure date.

Natural Disasters

If natural disasters occur in Malaysia such as earthquakes, floods or landslides, AIG will pay for expenses caused by these travel inconveniences.

Travel Inconvenience

If you experience travel inconveniences such as delays, loss or damage to your personal belongings, including your checked-in baggage, you will be covered by AIG.

AIG Global Assistance Service

Our 24-hour Emergency Assistance Team delivers fast and efficient aid if you are injured during an accident or if you are ill, requiring hospitalization in Malaysia.

Helplines during emergency in Malaysia

If you are insured with AIG when you travel within Malaysia, keep our 24/7 contact no.  603-27725600  with you at all times to process claims and medical emergencies.

Dial  999  for police and ambulance, and  994  for fire.

Contact details for AIG 24 Hours Travel Assistance: Phone:  +60 3 2772 5600

Want to know more about AIG Travel Insurance?

Read in detail about:  

- 24/7 Travel Assistance Service

- Download & Claims

• Chubb in Malaysia
• Corporate News
• Malaysia News
• General enquiry form

Travel Insure

Travelling is more enjoyable when you’re insured against the unexpected – be it lost passports or flight delays. We provide a travel insurance cover directly for you and your family members with access to a medical services hotline no matter where you are. So whether you’re an occasional traveller or a global jetsetter, there’s a plan for you.

Coverage Highlights

Key benefits.

Please refer to the policy contract for the full details of benefits, terms and exclusions that are applicable. The information provided here is a brief summary for quick and easy reference. The exact terms and conditions that apply are stated in the policy contract.

Related Document

Product Disclosure Sheet

Travel Smarter with Travel Insure. Get an instant quote now!

Top Travel Insurances for Malaysia You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

Malaysia is a culturally diverse country that's home to lush rainforests, stunning beaches, and unique Malay heritage and cuisine. Although travelling to Malaysia can be an accessible holiday destination for many people, and although healthcare costs in the country aren't outrageously expensive, it's still a very good idea to arrive there with travel insurance anway, as you'll want the highest-quality healthcare you can find.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Malaysia and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Malaysia Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Malaysia:

Best Travel Insurances for Malaysia

• 01. Should I get travel insurance for Malaysia? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Malaysia scroll down

Heading to Malaysia soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for Malaysia?

No, there's currently no legal requirement to take out travel insurance for travel to or through Malaysia.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Malaysia or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Malaysia:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Malaysia. It lets you choose between various plans tailored to meet the specific needs of your trip to Malaysia, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Malaysia:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Malaysia? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Malaysia

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for Malaysia. However, we strongly encourage you to do so anyway, because the cost of healthcare in Malaysia can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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• What is covered?
• What is not covered?
• When am I covered?
• Where can I travel?
• Who is covered?
• Travel Tips
• Chubb Assistance
• Types Of Plan & Eligibility
• Covid-19 Cover
• Medical Cover
• Baggage Cover
• Sports And Sporting Equipment
• Trip Cancellation
• Nomination Of Beneficiary/ies
• Our Products

What is covered by my insurance?

You are heading off for the weekend or embarking on a round-the-world adventure, you can choose the cover that matches your trip. There is no need to pay for cover you simply do not need. You may also refer to the  Product Disclosure Sheet  for more information. 

Your Destination

• International

International Policy

What is covered by:, personal accident & medical expenses.

Pays lump sum benefit in the event of loss of life or according to the scale of benefits for permanent total disability due to an accident whilst travelling.

- Adult(18 – 64 years old)

- Senior(65 – 80 years old)

- Child(30 days to 17 years old)

- Per family limit

Covers medical expenses incurred during your trip overseas, due to accidental injury or sickness. This benefit also covers dental expenses caused by an accident.

Due to accident or sickness - Adult(18 – 64 years old)

RM 1,000,000

RM 3,000,000

Provide follow-up treatment within 30 days upon returning to Malaysia resulting from bodily injury or sickness whilst overseas.

RM 50,000 RM 100,000

RM 50,000 RM 25,000 RM 50,000

RM 10,000 RM 5,000 RM 10,000

Alternative Treatment

Max coverage day

Per family limit

350 per day

100 per day

1,050 per day

250 per day

750 per day

150 per day

450 per day

Compassionate visit

Per family visit

Not Covered

Child Guard

Chubb Emergency Assistance

Covers for unexpected and sudden bodily injury or sickness whilst overseas, resulting in the need for you to be moved to another location or returning to Malaysia for medical treatment.

Emergency Medical Evacuation & Repatriation

Repatriation of Mortal Remains

• 24 hours worldwide medical emergency assistance
• 24 hours travel advise assistance

Travel Inconvenience

Covers unredeemable travel and accommodation expenses paid in advance prior to travelling overseas.

Travel Cancellation

Travel Curtailment

- Any one article limit / Baggage damaged

- Portable computer

RM 500 RM 1,000

Loss or Damage to Travel Documents

Loss of Personal Money**

Fraudulent Use of Lost Credit Card

Every 6 consecutive hours

Max limit (Overseas) Per family limit

Max limit (Malaysia) Per family limit

RM 1,000 RM 3,000

RM 400 RM 1,200

RM 800 RM 2,400

RM 200 RM 600

Personal Liability

Car Rental Excess

Any one article limit

Covid-19 Cover (these benefits are extended to cover Covid-19)

- Adult  (18 – 64 years old)

- Senior (65 – 80 years old)

- Child (30 days to 17 years old)

RM 1,350,000

- Adult (18 – 64 years old)

500 per day

Optional: Add-Ons (with additional premium)

-Hole In One

-Loss of golf equipment due to Theft

-Unused golf green fees due to Bodily Injury or sickness

- Excursion Tour Cancellation

- Excursion Tour Curtailment

- Cruise Re-Route

Important Notes:

*an excess of RM50 is applicable for each and every medical receipt/bill/invoice in the event medical treatment is not sought Overseas. You must seek medical treatment in Malaysia within 24 hours from the date of Your return to Malaysia and You have up to 30 days to continue the medical treatment in Malaysia.

**RM100 excess per claim on Loss of Personal Money.

The above is only a brief description of the benefits and is not exhaustive. Please refer to the Policy wording for the full details of the benefits, terms and conditions.

Domestic Policy

Pays a lump sum cash benefit in case of loss of life or permanent total disability due to an accident whilst travelling.

Death due to Snatch Theft

Death due to Covid-19

Covers medical expenses incurred during your trip due to accidental injury. This benefit also covers dental expenses caused by an accident.

Medical Expenses (due to accident)

Pay for each complete day you are confined in a hospital on top of medical cost incurred up to a maximum 30 days

Daily Hospital Income (maximum 30 days)

Pay a lumpsum amount if you are required to confine in a hospital due to Covid-19.

ICU Admission due to Covid-19

Covers you for unexpected and sudden sickness or injury, which results in you needing to be moved to another location for medical treatment.

Covers unredeemable travel and accommodation expenses paid in advance prior to travelling.

- Any one article limit

- Bagage damaged

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©   Chubb Insurance Malaysia Berhad. Chubb Insurance Malaysia Berhad is licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia. This policy is underwritten by Chubb Insurance Malaysia Berhad. Full details of the terms, conditions and exclusions of this insurance are provided for in the  Policy Coverages . Please read our  Privacy Notice  and the  Product Disclosure Sheet .

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Travel Insurance For Malaysia From India

Travel Insurance Malaysia

"Certainly, travel is more than the seeing of sights; it is a change that goes on, deep and permanent, in the ideas of living." - Miriam Beard

Travel is a transformative experience, an opportunity to expand our horizons, and an avenue to create lasting memories. It takes us out of our comfort zones and immerses us in the diverse tapestry of our world.

Talking about the intricacies, there are only a few travel destinations in Asia that beat Malaysia’s rich charm. In the heart of Southeast Asia, Malaysia entices travellers with its lush rainforests, pristine beaches, bustling cities, and a rich blend of traditions.

However, this exciting journey is not without its share of uncertainties and risks. But how do you mitigate these risks?

The easiest way to tackle such travel adversaries is by having travel insurance. It is paramount to ensure that your exploration of Malaysia, a country teeming with cultural diversity and natural wonders, is not marred by unexpected challenges.

To protect your sojourn in Malaysia, Tata AIG offers a range of travel insurance plans tailored to your needs. By choosing Tata AIG's travel insurance plans, you can fully embrace the essence of Malaysia, confident that any unforeseen circumstances will not hinder your journey of self-discovery and exploration.

Also, you can compare travel insurance plans online on our website and pick one that best suits your needs and budget.

Expert's Guide to Malaysia Visa Process

Travel insurance for malaysia from india with tata aig.

Travellers embarking on a journey from India to Malaysia's captivating landscapes and vibrant culture should get a reliable travel insurance plan.

With its diverse range of experiences, from bustling urban centres like Kuala Lumpur to the serene beauty of Langkawi's beaches, Malaysia offers an array of attractions that beckon Indian tourists.

However, amidst the excitement of exploration, many people do not expect the unexpected. There can be adverse events that can disrupt your travel plans.

This is where Tata AIG's travel insurance shines as the ideal choice for travellers from India heading to Malaysia. Tata AIG understands the unique needs of Indian travellers and has tailored its policies to provide comprehensive coverage for various situations.

Tata AIG's travel insurance plans for Malaysia offer a comprehensive range of benefits tailored to cater to the unique needs of travellers from India. One of the most critical aspects of travel insurance is emergency medical coverage.

Tata AIG ensures you receive prompt and high-quality services with 24/7 support. So, in case of any medical emergency during your Malaysian adventure, you will find us standing with you. With Tata AIG’s travel insurance you can easily tackle the unpredictability of travel. Our policy covers trip cancellations or delays due to unforeseen circumstances (mentioned in the policy wording ).

Why Do You Require the Best Travel Insurance for Malaysia from India?

Travel insurance for Malaysia from India is crucial to planning any trip to this diverse and captivating Southeast Asian destination. Several reasons highlight the necessity of having adequate travel insurance when venturing from India to Malaysia.

Firstly, Malaysia, with its diverse landscapes, bustling cities, and pristine natural beauty, offers an array of activities and experiences. However, medical emergencies, flight cancellations, or unforeseen events can unexpectedly disrupt travel plans.

Travel insurance for Malaysia provides a safety net, ensuring you are financially protected in such situations, allowing you to continue your journey or receive necessary medical attention without worrying about hefty expenses.

Secondly, Malaysia's cultural richness and tourist attractions often involve valuable personal belongings, which can be susceptible to loss or theft. Travel insurance includes coverage for lost or stolen belongings, safeguarding your possessions and mitigating the financial impact of such incidents.

Finally, having travel insurance offers peace of mind, enabling you to confidently explore Malaysia, knowing that you are prepared for the unexpected. It is a responsible and prudent choice that ensures your trip is filled with memorable moments rather than unexpected financial burdens.

Benefits Offered by the Tata AIG Travel Insurance Online Malaysia

Is travel insurance mandatory for Malaysia? While it's not a strict requirement, it's a highly advisable precaution. Tata AIG's Malaysia travel insurance policy is strongly recommended due to its comprehensive coverage that caters to a wide range of travel needs.

Let's learn some of the key features of our travel policies:

Luggage Coverage: Should your checked-in luggage encounter issues during transit or face delays at connecting airports en route to Malaysia, Tata AIG's baggage coverage will come to your rescue. This feature ensures reimbursement for the total cost of items within your checked-in luggage, depending on your chosen coverage level.

Medical Coverage: At the core of Tata AIG's travel insurance for Malaysia is financial support during unforeseen medical emergencies. Whether you fall ill or an unexpected event necessitates hospitalisation, our medical coverage offers reimbursement.

Trip Coverage: Our Malaysia travel insurance from India includes provisions for passport loss, travel delays, cancellations, and even hotel cancellations.

Flight Hijack Cover: This provision safeguards you against unexpected flight disruptions, ensuring your journey remains resilient.

Local Journey Assistance: Navigating unfamiliar terrain becomes less daunting with this assistance, providing a lifeline during unforeseen challenges.

Personal Liability Coverage: This protection shields you against unforeseen legal obligations, preserving your financial well-being.

Flight Cancellation Insurance: A shield against the uncertainties of travel, this coverage safeguards your investment when unforeseen circumstances (mentioned in the policy wording) lead to flight cancellations.

Apart from the primary benefits, our travel insurance policy for Malaysia unfolds with a variety of supplementary benefits:

Our international travel insurance plans are affordable, starting from as little as ₹45.50 per day*.

Our insurance buying process is simple and hassle-free without any medical examination.

You can pay travel insurance premiums in Indian National Rupees while securing coverage for your Malaysian journey adds to your peace of mind.

We have travel insurance plans tailored to your needs, ensuring affordability without compromising coverage.

When you buy travel insurance for Malaysia with us, you can relax as it will safeguard your expedition with comprehensive benefits, providing financial security and peace of mind throughout your journey.

Malaysia Visa and Entry Information

Malaysia offers visa exemptions or visa-free entry to citizens of several countries for short visits. The duration of stay allowed without a visa varies depending on your nationality. Travellers from some countries can stay for up to 90 days without a visa.

Tourist Visa: If you are from a country that requires a visa to enter Malaysia, you can apply for a tourist visa. Tourist visas are usually valid for a specific period, and you must leave Malaysia before the visa expires.

eVisa: Malaysia also offers an Electronic Visa (eVisa) and Electronic Travel Registration and Information (eNTRI) for certain nationalities. These are electronically issued visas for short visits.

Multiple-entry eVisa: validity is for 3-12 months

Single-entry eVisa: validity is for 3 months

Required Documents for Malaysia Visa from India

Here are the typical required documents for applying for a Malaysia visa from India:

Visa Application Form: Fill out the visa application form accurately and completely. You can usually download this form from the official website of the Malaysian embassy or consulate.

Passport: Ensure that your passport is valid for at least six months beyond your intended departure date from Malaysia and has at least two blank pages for visa stamps.

Photographs: Provide recent passport-sized photographs as per the specifications mentioned in the visa application guidelines. Typically, these photos should have a white background.

Flight Itinerary: Submit a copy of your round-trip flight itinerary, including details of your entry into and exit from Malaysia.

Hotel Reservation: Show proof of accommodation in Malaysia, such as hotel reservations or an invitation letter if you are staying with family or friends.

Financial Documents: Provide evidence of sufficient funds to cover your stay in Malaysia. This can include bank statements, pay stubs, or a sponsorship letter if someone financially supports your trip.

Covering Letter: Write a cover letter explaining the purpose of your visit, your intended travel dates, and other relevant details.

Travel Insurance: Some visa categories may require a travel insurance policy that covers medical emergencies and repatriation.

No Objection Certificate (NOC): If you are employed, you may need a No Objection Certificate from your employer stating that they have no objections to your travel to Malaysia.

Income Tax Returns: You might be asked to provide copies of your income tax returns for the last few years to establish financial stability.

Visa Fee: Pay the visa fee, which can vary depending on the type and duration of the visa you are applying for. Check the official website for the current fee structure.

Additional Documents: Depending on the type of visa you are applying for (tourist, business, student, etc.), you may need to provide additional documents specific to that category. Check with the Malaysian embassy or consulate for details.

[Note: Visa requirements can change, so it's crucial to check the official website of the High Commission of Malaysia in India or the nearest Malaysian embassy or consulate for the most up-to-date information before applying for a visa.]

COVID-19 Requirements

The following are the recent COVID-19 requirements for travelling to Malaysia:

All travellers are allowed to enter regardless of their COVID-19 vaccination status.

No pre-departure or on-arrival COVID-19 test is required.

Quarantine upon arrival is no longer required.

Travellers are encouraged to download and register for the MySejahtera application. However, it’s not mandatory.

Upon arrival, all travellers may undergo a thermal screening by the airport health authorities.

Travellers who test positive in Malaysia must undergo isolation via a Home Surveillance Order (HSO) for seven (7) days.

Travellers can be released from isolation on the 4th, 5th or 6th day when they are asymptomatic, and the RTK Ag test (professional) is negative.

**Malaysia Visa Application Process from India

Here are the steps on how to apply for a Malaysia visa from India, both online and offline:

Online Process

Go to the Malaysian Immigration Department website.

Click on the "Apply for eVISA" button.

Select the type of visa you are applying for.

Fill out the online application form.

Upload the required documents.

Pay the application fee.

Click on the "Submit" button.

Your visa application will be processed within 1-3 business days. Once your visa is approved, you will receive an email with a PDF attachment containing your visa. You must print out this visa and present it to immigration officials upon arrival in Malaysia.

Offline Process

Visit the Malaysian Visa Application Centre (MVAC) in India.

Fill out the visa application form.

Submit the required documents.

Collect your visa from the MVAC.

The processing time for a Malaysia visa application through the MVAC is typically 5-7 business days.

**Visa Charges for Indian Travellers to Malaysia

eVisa: RM 50 (about ₹936) for a single-entry visa, RM 100 (about ₹1872) for a multiple-entry visa.

Visa on arrival: RM 200 (about ₹3744).

[Note: The visa charges are subject to change, so it is always best to check with the Malaysian Government's visa portal for the latest information.]

Indian Embassy in Malaysia

Currency and foreign exchange.

The official currency of Malaysia is the Malaysian ringgit (MYR or RM). It is divided into 100 sen. The ringgit is pegged to a basket of currencies, which includes the US dollar, the Japanese yen, and the Singapore dollar.

The exchange rate between the Malaysian ringgit (MYR) and the Indian rupee (INR) constantly fluctuates. It is approximately 1 MYR = 17.79 INR. This means that 1 Malaysian ringgit can be exchanged for 17.79 Indian rupees.

You can exchange foreign currency at banks, money changers, and some hotels in Malaysia. The exchange rates these institutions offer may vary, so it is best to shop around before making a transaction.

You can check the recent currency exchange rates here.

[Note: If you plan on travelling to Malaysia, it is important to check the exchange rate before you go.]

Best Time to Visit Malaysia

The best time to visit Malaysia depends on what you want to do and see. February to September is the dry season in Malaysia and the best time to visit if you want to avoid the rain. The weather is also pleasant, with average temperatures ranging from 25 to 32 degrees Celsius. This is the ideal time to visit popular tourist destinations such as Kuala Lumpur, Malacca, and Penang.

October to March is the wet season in Malaysia, but it is not as rainy as you might think. The rain usually falls in the afternoon and evening, and the days are often sunny. This is a good time to visit if you want affordable prices and also want to avoid crowds.

You can also book your trip to Malaysia during April to June. This is the shoulder season in Malaysia, and the weather is still pleasant, but the crowds are not as large.

If you plan to visit Malaysia for the beaches, the best time is from March to October, when the weather is dry and sunny. The east coast of Malaysia, which includes the islands of Tioman and Redang, experiences the wet season from November to February.

If you plan to visit Malaysia for the rainforests, the best time to go is from March to May, when the skies are clear and the air is cool. The rainforests are also home to many different species of animals, so this is a good time to go if you want to see wildlife.

Ultimately, the best time to visit Malaysia is when you can make the most of your trip. Consider your interests and budget when making your decision.

Top Things to Do/Experience in Malaysia

With its rich culture, diverse landscape, and delicious food, Malaysia is a country that has something to offer everyone.

Here are some of the top things to do/experience in Malaysia:

Visit Kuala Lumpur: The capital of Malaysia, Kuala Lumpur is a bustling metropolis with a mix of modern and traditional attractions. Visit the Petronas Twin Towers, the world's tallest twin towers, or explore the Sultan Abdul Samad Building, a beautiful example of Moorish architecture.

Explore Malacca: A historic city with a rich Portuguese and Dutch heritage, Malacca is a UNESCO World Heritage Site. Visit the Cheng Hoon Teng Temple, the oldest Chinese temple in Malaysia, or take a walk through the Jonker Street Night Market.

Go hiking in Taman Negara: The oldest rainforest in the world, Taman Negara is a must-visit for nature lovers. Go hiking through the jungle, camping, or take a boat ride on the Tembeling River.

Relax on the beaches of Langkawi: Langkawi is a group of islands off the coast of Malaysia. The beaches are some of the best in the country, and many activities to enjoy, such as scuba diving, snorkelling, and hiking.

Visit the Cameron Highlands: The Cameron Highlands is a hill station in Malaysia. It is a popular destination for those who want to escape the heat of the city. There are many tea plantations in the Cameron Highlands and opportunities for hiking and camping.

Go shopping in Kuala Lumpur: Kuala Lumpur is a shopper's paradise. There are many malls and markets to explore, selling everything from clothes and souvenirs to electronics and food.

Try the local food:** Malaysia has a diverse cuisine, with influences from China, India, and Southeast Asia. Be sure to try some local dishes, such as nasi lemak, laksa, and char kway teow.

Malaysia Trip: Safety & Precautions

Health: Stay healthy by getting recommended vaccines, carrying essential medications, and drinking bottled water to avoid health issues.

Travel Health Insurance Malaysia: Protect yourself with comprehensive travel insurance covering medical emergencies and unexpected situations for financial security.

Be aware of your surroundings: Petty theft is the most common crime in Malaysia, so it is important to be aware of your surroundings at all times. Do not carry valuables with you, and be careful when using ATMs and public transportation.

Do not flash your valuables: Your passport, money, and jewellery. Keep them in a safe place, such as a money belt or a safe in your hotel room.

Be careful when taking taxis: There have been reports of taxi drivers overcharging tourists. It is best to use metered taxis or ride-hailing apps.

Avoid walking alone at night: This is especially important in big cities like Kuala Lumpur. If you must walk alone at night, take a taxi or walk with a friend.

Be aware of scams: Many scams target tourists in Malaysia. Be wary of anyone who approaches you and offers you something for free, such as a tour or a massage.

Stay hydrated: The weather in Malaysia can be hot and humid, so it is important to stay hydrated. Drink plenty of water and avoid sugary drinks.

Use insect repellent: Malaria is a risk in some parts of Malaysia, so it is important to use it.

Get vaccinated: A few vaccinations are recommended for travellers to Malaysia, such as hepatitis A and typhoid.

Malaysia – Fast Facts

Disclaimer / tnc.

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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Do i need travel insurance for malaysia.

While travel insurance is not compulsory, we highly recommend it for your trip to Malaysia. It offers essential financial protection against unforeseen events, ensuring a worry-free journey.

How much does travel insurance from Tata AIG for Malaysia cost?

The cost of Tata AIG travel insurance for Malaysia varies based on factors like age, trip duration, coverage limits, and the type of policy. It can range from a few hundred to a couple of thousand Indian Rupees.

Can I purchase Tata AIG travel insurance for Malaysia after I have started my trip?

It is very important to purchase travel insurance before your trip begins to ensure full coverage. However, you can still buy travel insurance after the trip has started, but you will get limited coverage, subject to policy terms and conditions.

What should I do if I need medical assistance with Tata AIG travel insurance in Malaysia?

Simply contact our 24/7 assistance hotline (1800-266-7780), and our team will assist you with the claims process, ensuring you receive prompt and reliable support.

How do I make a travel insurance claim with Tata AIG for an incident in Malaysia?

To initiate a claim, please contact our claims department as soon as possible. Provide all necessary documents, such as medical reports, police reports (for theft or loss), and receipts. Our dedicated team will guide you through the straightforward claims process, ensuring a seamless experience.

Disclaimer: All the information mentioned above is well-researched and sourced from reliable sources. Since this information is subject to change, it is advisable to check the latest travel guidelines and other location-specific information before planning a trip to any location. *Subject to change based on the nature and extent of the coverage.

Other Destinations

Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to TATA Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. 2008, TATA AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CIN: U85110MH2000PLC128425. IRDA of India Regn. No. 108. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] . Category of Certificate of Registration: General Insurance.

2008, Tata AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CINNumber : U85110MH2000PLC128425. Registered with IRDA of India Regn. No. 108. Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to Tata Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] .

FinanceBuzz

8 Reasons It’s Worth It To Buy Travel Insurance (And 6 Times To Skip It)

Posted: July 12, 2023 | Last updated: April 7, 2024

Life is full of unexpected events and complications, and that doesn’t stop just because you’re traveling. If anything, travel may have even more surprises than your day-to-day life at home.

Travel insurance can help you avoid wasting money if you have to cancel a trip due to illness, need medical coverage while you’re traveling, or send you home for medical reasons.

However, it may not always be necessary and can sometimes be a waste of money. Keep reading to learn when you should and shouldn’t opt for travel insurance.

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Safety net for international travel

The number one reason people buy travel insurance is to cover an expensive trip. And if you’re traveling overseas, chances are your travels will cost a lot of money.

In addition, there are potential complications when it comes to international travel, from losing luggage during connecting flights, missed or canceled flights, sickness, and more.

And if something catastrophic happens in a foreign country, travel insurance provides evacuation so you can get home safely.

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Medical coverage

Getting sick or injured is unpleasant enough when you’re in the comfort of your home, but it’s a new beast entirely when you’re abroad.

Generally, you can expect basic medical expenses to be covered through your travel plan, often including dental. Medicare will not cover medical expenses in a foreign country. If you’re traveling overseas, travel insurance for potential medical costs is worthwhile.

Cover rental car mishaps

Renting a car is a great way to get around when traveling because you can explore a place on your own. Using taxis or ride-share services may cost more money. However, even the best drivers make mistakes, and no one can protect themselves from reckless drivers.

Your U.S. car insurance won’t cover you when driving in a foreign country. So choosing the car-rental insurance option when you buy travel insurance may be a good move.

Be aware that most travel insurance rental-car plans cover collisions and may not cover medical expenses, damages to other cars or property, or personal property damage or loss.

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Pre-existing conditions often aren’t covered

Unfortunately, as with many health insurance plans, travel insurance often won’t cover pre-existing conditions. Travel health insurance is usually meant for unforeseen illnesses or injuries instead of complications due to an existing medical issue.

Even travel insurance companies that cover pre-existing issues often only cover physical maladies and exclude mental conditions and typical pregnancy-related symptoms and complications.

Protect lost luggage

A big fear for travelers is losing their luggage, either having it not arrive at the destination or stolen during their trip. Most airlines will offer reimbursement for luggage they lose, but it can take quite a while for this to process.

Travel insurance will cover the cost of replacing your clothing and other items while you wait for your luggage to be located and can also cover theft and damage.

Cover valuable items and gear

You should consider buying travel insurance if you’re traveling with valuables, including expensive jewelry, art, or even pricey sporting or adventure gear.

You’ll need to talk to the insurance agency specifically about covering your valuables, as they may need to be insured separately. Depending on your homeowners insurance policy, your jewelry may be covered even when you travel.

Sporting goods, including golf clubs, will not be covered by your homeowners insurance if you’re traveling, so you will need travel insurance to replace them if they’re lost, damaged, or stolen.

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Emergencies happen

While we do our best to prepare for the worst-case scenario, we can’t stop life from happening. Things like medical emergencies, a death in the family, or other catastrophes can halt your travel plans.

If you have travel insurance, rescheduling or cancellation fees will be covered, allowing you to deal with the emergency at your own pace. You won’t have to worry about losing the money spent on the trip and subsequent fees.

Natural disaster coverage

Are you planning a fall trip to the Gulf Coast or Florida? Consider your travel destination and the time of year you're going.

If you’re visiting someplace prone to natural disasters, especially seasonal occurrences like tornadoes, hurricanes, wildfires, and such, travel insurance can help you recoup your money should these events interrupt your travel plans.

Similarly, if a natural disaster occurs during your trip, often, insurance will pay to move you to a more secure location.

Extreme adventures may not be covered

Your insurance will most likely cover typical travel-related injuries but don't expect your medical bills to be covered if your itinerary involves extreme adventures or dangerous exploits.

Surfing, sailing, kayaking, bungee jumping, scuba diving, skiing, snowboarding, and other extreme sports do not fall into everyday illnesses or injuries. For these activities, consider getting a specific plan for adventure activities.

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Shaky travel companies

If you booked your trip through a travel company and it goes bankrupt, travel insurance may provide a safety net to ensure you get your money back.

Airlines, cruise ships, travel companies, and other travel-related businesses suffered during the pandemic, and many may not be on solid financial ground yet.

This may not be covered in a basic insurance plan, so make sure your agent adds financial default coverage if you are concerned about the health of your travel provider. 

In the situation any company or organization closes or is otherwise inoperable during your trip, you’ll be covered.

Now let’s look at times you may not need travel insurance.

Your credit card offers travel protections

Before purchasing travel insurance, consider which credit card you have. Many of the top credit cards  offer travel protections.

Some protections you may already have include lost luggage, rental car insurance, trip delay, and trip interruption or cancellation.

Credit card programs often don’t cover medical or other interruptions, so consider your priorities before choosing this option.

You have a domestic trip

If you’re traveling within the U.S. and its territories, travel insurance may not be necessary. For example, you won’t need medical coverage as your health insurance should be honored nationwide.

Domestic travel is also usually much less expensive. If you’re taking a cheap, last-minute, or nonstop flight and staying at an inexpensive hotel or rental, the cost of travel insurance may not be worth it.

One exception might be a family trip to Disney World. The estimate for a trip for a family of four in 2023 is more than $6,000, so travel insurance might be money well spent in this case.

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Don’t add expense to cheap trips

Not all travel is planned. Whether traveling for work, a family emergency, or just a last-minute vacation, you likely don’t need insurance in these circumstances. Odds are, you’re packing light, and both your flight and hotel are relatively inexpensive.

In these scenarios, the things insurance covers won’t be relevant, including baggage loss, flight cancellations, hotel issues, and so on. 

Not only will these costs likely be minimal, but they can be disputed with your airline or hotel, although it may take a little while to get your money back.

The airline has a flexible rebooking policy

If you’re buying travel insurance to cover the cost of rescheduling a flight, you’re better off purchasing a refundable ticket at a higher price. And some airlines have more flexible policies now.

Many airlines allow last-minute ticket changes and will even help you reschedule your flight within a specific timeframe. The timeframe and policy vary by airline, and you may be subject to a nominal cancellation or rebooking fee, but it will be significantly less than insurance.

Insurance will not cover political unrest

One emergency situation insurance probably won’t cover is war or political unrest. If you’re visiting a location with political tensions and your trip is canceled as a result, don’t expect your insurance to cover the costs.

Insurance companies generally follow the travel advisories the U.S. State Department issued for medical and political situations.

Similarly, insurance won't cover these costs if you have to leave your trip early for safety concerns. Consider your destination's political environment before booking your travel or buying insurance.

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Your hotel may cover cancellations

Many hotel cancellation policies have tiers depending on the booking you make. For example, some may have free cancellation within a specific period, while others charge different rates for rooms booked as non-refundable or partially refundable.

If your sole reason for purchasing insurance is hotel flexibility, consult with the hotel before you book. They may have a policy as flexible as your insurance or can work with you should something unexpected arise.

Penalty-free cancellations for major hotels tend to be around 24-48 hours prior to arrival.

Bottom line

Travel insurance may be pricey, but it’s a lifesaver in many situations. However, in others, it’s overkill and a waste of money.

Every travel situation is different, so consider your specific needs when purchasing. And, if you want more money to cover your insurance, consider these ways to make extra cash for travel funds.

More from FinanceBuzz:

• 7 things to do if you’re barely scraping by financially.
• 12 legit ways to earn extra cash.
• Can you retire early? Take this quiz and find out.
• 9 simple ways to make up to an extra $200/day

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