Malaysia Travel Insurance You Should Know

Malaysia has over 15 different companies that sell travel insurance, and it can be quite tough to compare.


Focus on only the travel insurance products that you can buy online because it is fast, easy and cheaper. Here is the complete list of the Top 5 Travel Insurances in Malaysia that provide the best service to their customers.


1. AXA Affin – Smart Traveller




Malaysian customers have made lots of excellent experience with the insurance company, and payment is quick, once you make a claim. You can easily submit a claim online via email, and the payment is made usually within weeks.


A unique benefit that AXA Smart Traveller VIP is offering is Legal Liability protection. When you are abroad, and you damage someone’s property or hurt someone by accident, then this insurance will pay for the damages. This protection is especially essential when you travel to the US or to Europe, where people sue you quickly to pay for their losses. So AXA’s Smart Traveller not only protects you when you are ill or when your flight is cancelled, but it will also protect you from other people when they want to sue you.


  • Webpage friendliness: Very Easy

  • Webpage Language: Only English

  • Plan Variations: Classic, VIP

  • Medical Expenses: up to RM 300,000

  • Travel Delay: up to RM 3,200

  • Luggage Delay: up to RM 800

  • Theft: Up to RM 7,500

  • Legal Liability: up to RM 1,000,000


2. Allianz General – Travel Easy




No doubt, Allianz travel insurance costs more than some of the other insurance companies on our list. However, the German-backed Malaysian insurance company provides excellent protection and German 4-star standard customer service.


  • Webpage friendliness: Very Easy

  • Webpage Language: Only English

  • Plan Variations: Only one plan

  • Medical Expenses: up to RM 300,000

  • Travel Delay: up to RM 2,000

  • Luggage Delay: up to RM 800

  • Theft: Up to RM 5,000


3. Etiqa Insurance & Takaful – TRIPCARE 360




The webpage is straightforward, and with a few clicks, you can buy the travel insurance online. Etiqa offers its travel insurance TripCare 360 in three variations: Silver, Gold and Platinum.


One of the few companies in Malaysia, Etiqa offers cashless medical care. This means that when you are abroad and need to get admitted to a hospital, then you do not need to pay in cash. One phone call to Etiqa’s 24-hour Travel and Medical Assistance +603-2161-0270 and a guarantee letter will be provided to the hospital so that you do not need to pay yourself.


  • Webpage friendliness: Very Easy

  • Webpage Language: English and Bahasa Melayu

  • Number of plans: Silver, Gold, Platinum

  • Medical Expenses: up to RM 500,000

  • Travel Delay: up to RM 5,000

  • Luggage Delay: up to RM 2,000

  • Theft: Up to RM 1,000


4. Tokio Marine – TM Explorer




Tokio Marine’s Travel Insurance placed 4th in our 2019 Top 5 Travel Insurance list.


  • Webpage friendliness: Very Easy

  • Webpage Language: Only English

  • Plan Variation: Basic, Standard

  • Medical Expenses: Unlimited (as charged)

  • Travel Delay: up to RM 3,600

  • Luggage Delay: up to RM 800

  • Theft: Up to RM 5,000

  • Terrorism Protection: Yes


5. Tune Protect – Travel Easy




The travel insurance is called Travel Easy. Tune is part of the AirAsia group under Tony Fernandes and offers travel insurance as well as car insurance. Whenever you book an AirAsia flight on www.airasia.com, you will also be asked to buy travel insurance. This travel insurance is from Tune Protect.


Because both companies belong to the AirAsia Group, claims are straightforward with Tune. So for AirAsia flights Travel Easy is your #1 choice. Tune was the fastest for AirAsia flights. But beware this is only for AirAsia flights. When you fly with other airlines, then check out the different insurance companies below.


  • Webpage friendliness: Very Easy

  • Webpage Language: Only English

  • Medical Expenses: up to RM 300,000

  • Travel Delay: up to RM 3,200

  • Luggage Delay: up to RM 800

  • Theft: Up to RM 3,000

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