Compare Travel Insurance in Malaysia

Compare travel insurance in Malaysia.

Compare the top 14 Malaysian travel insurance providers, with premiums from RM19 /month. Data current as of 23 October 2026 and updated daily from the Giraffy database.

Live offers

19 live offers compared from 14 providers, from RM19 /month. Updated daily.

Allianz Malaysia Plan Allianz Malaysia

RM19 /month

  • Provider: Allianz Malaysia
  • Cover Type: Travel

Allianz Travel Insurance MY Allianz Malaysia

RM100 /year

  • Cover Type: Single trip & annual
  • Medical Cover: Up to MYR 1m emergency medical
  • Regions: Worldwide
  • Key Feature: Allianz — Malaysia's #2 insurer; strongest cancellation cover

AIG Travel Guard MY AIG Malaysia

RM100 /year

  • Cover Type: Single trip & annual
  • Medical Cover: Up to MYR 1.5m emergency medical
  • Regions: Worldwide
  • Key Feature: AIG — global brand; comprehensive medical + evacuation cover

MSIG Travel Insurance MY MSIG Malaysia

RM100 /year

  • Cover Type: Single trip & annual
  • Medical Cover: Up to MYR 1m emergency medical
  • Regions: Worldwide
  • Key Feature: MSIG — MS&AD Group; strong personal accident cover

Tune Protect Travel MY Tune Protect

RM100 /year

  • Cover Type: Single trip & annual
  • Medical Cover: Up to MYR 500k emergency medical
  • Regions: Worldwide
  • Key Feature: Tune Protect — AirAsia affiliate; lowest entry price; digital-first

Maybank Etiqa Travel MY Maybank

RM100 /year

  • Cover Type: Single trip & annual
  • Medical Cover: Up to MYR 1.5m emergency medical
  • Regions: Worldwide
  • Key Feature: Etiqa — Maybank group; strong Islamic takaful option; my2u integrated

AIG Travel Guard AIG Malaysia

RM100 /year

AIG's global Travel Guard product with 24/7 worldwide emergency assistance.

  • Cover Type: Single & annual multi-trip
  • Medical Cover: Up to USD 1,000,000
  • Regions: Worldwide
  • Key Feature: USD 1M medical limit

Etiqa eTiQa Travel Etiqa Insurance & Takaful

RM100 /year

Etiqa's online travel insurance with instant policy issuance and Takaful option.

  • Cover Type: Single & annual multi-trip
  • Medical Cover: Up to MYR 500,000
  • Regions: Worldwide
  • Key Feature: Takaful option available

Great Eastern TravelSmart Premier Great Eastern Malaysia

RM100 /year

Great Eastern's premium travel plan with unlimited medical evacuation.

  • Cover Type: Single & annual multi-trip
  • Medical Cover: Unlimited
  • Regions: Worldwide
  • Key Feature: Unlimited evacuation

Takaful Ikhlas Travel Care Takaful Ikhlas

RM100 /year

Shariah-compliant travel takaful with comprehensive coverage for Muslim travellers.

  • Cover Type: Single trip
  • Medical Cover: Up to MYR 300,000
  • Regions: Worldwide
  • Key Feature: Shariah-compliant Takaful

Tune Protect Travel Tune Protect

RM100 /year

Budget-friendly travel insurance with flexible cover levels from Tune Group.

  • Cover Type: Single trip
  • Medical Cover: Up to MYR 200,000
  • Regions: Worldwide
  • Key Feature: Low premiums, AirAsia partnership

Tokio Marine Travel Protector Tokio Marine Malaysia

RM100 /year

Tokio Marine's travel insurance with 24-hour emergency assistance worldwide.

  • Cover Type: Single & annual multi-trip
  • Medical Cover: Up to MYR 750,000
  • Regions: Worldwide
  • Key Feature: 24hr emergency hotline

Zurich Travel Shield Zurich Malaysia

RM100 /year

Zurich's travel insurance with trip cancellation, medical and baggage cover.

  • Cover Type: Single & annual multi-trip
  • Medical Cover: Up to MYR 500,000
  • Regions: Worldwide
  • Key Feature: Comprehensive trip cancellation

Berjaya Sompo TravelSafe Berjaya Sompo Insurance

RM100 /year

Sompo's travel insurance with comprehensive medical and personal accident cover.

  • Cover Type: Single & annual multi-trip
  • Medical Cover: Up to MYR 500,000
  • Regions: Worldwide
  • Key Feature: Personal accident cover

Liberty TravelSure Liberty Insurance Malaysia

RM100 /year

Liberty Insurance's TravelSure with baggage delay and trip cancellation cover.

  • Cover Type: Single trip
  • Medical Cover: Up to MYR 500,000
  • Regions: Worldwide
  • Key Feature: Baggage delay compensation

Lonpac Travel PA Lonpac Insurance

RM100 /year

Lonpac's travel personal accident and medical plan at competitive premiums.

  • Cover Type: Single trip
  • Medical Cover: Up to MYR 200,000
  • Regions: Worldwide
  • Key Feature: Personal accident focus

Allianz Travel Care Plus Allianz Malaysia

RM100 /year

Allianz's comprehensive single-trip travel plan with up to MYR 1M emergency medical cover.

  • Cover Type: Single & annual multi-trip
  • Medical Cover: Up to MYR 1,000,000
  • Regions: Worldwide
  • Key Feature: MYR 1M medical cover

AIA TravelEasy AIA Malaysia

RM100 /year

AIA's TravelEasy with unlimited emergency medical evacuation and COVID-19 cover.

  • Cover Type: Single & annual multi-trip
  • Medical Cover: Unlimited
  • Regions: Worldwide
  • Key Feature: COVID-19 covered

MSIG TravelRight Plus MSIG Malaysia

RM100 /year

MSIG's TravelRight with adventurous sports cover and regional emergency assistance.

  • Cover Type: Single & annual multi-trip
  • Medical Cover: Up to MYR 1,000,000
  • Regions: Worldwide
  • Key Feature: Sports cover included

What is Travel Insurance in Malaysia?

Travel insurance protects you against the financial risks of travelling, including medical emergencies overseas, trip cancellation, flight delays, lost baggage and personal accident. Malaysian travellers buy it as single-trip cover for one journey or annual multi-trip cover for frequent flyers. Both conventional insurance and Shariah-compliant travel takaful are available. It is especially valuable for overseas trips where medical costs can be high and unexpected disruptions can be expensive.

How the Malaysian market works

Travel insurance is sold by general insurers, takaful operators, airlines and travel platforms, and is often added at the point of booking a flight or holiday. Plans are tiered by coverage region (such as ASEAN, Asia or worldwide) and benefit limits. Medical cover overseas is usually the headline benefit, alongside cancellation, delay and baggage protection. Some destinations and visa applications require proof of travel insurance, and COVID-related cover is now commonly included or offered as an add-on.

Benefits

Overseas medical cover — Pays for emergency treatment and hospitalisation abroad, where costs can be far higher than in Malaysia.

Trip cancellation — Reimburses non-refundable costs if you must cancel or cut short a trip for covered reasons.

Baggage and delay — Compensates for lost, delayed or damaged luggage and significant flight delays.

Takaful option — Shariah-compliant travel takaful provides equivalent protection under Islamic principles.

How to choose

Match the coverage region and medical benefit limit to your destination, and choose single-trip or annual multi-trip based on how often you travel. Check the cancellation, delay and baggage limits, any excess, and exclusions such as pre-existing conditions or high-risk activities. Confirm emergency assistance and evacuation cover, and whether adventure sports or specific destinations need add-ons. Read whether COVID-related disruption is included.

Leading providers in Malaysia

Allianz Malaysia, AIG Malaysia, MSIG Malaysia and Great Eastern Malaysia offer comprehensive travel plans with strong overseas medical benefits. Tune Protect is well known for affordable travel cover integrated with airline bookings. Etiqa Insurance and Takaful and Takaful Ikhlas provide both conventional and takaful travel protection, and Maybank distributes travel insurance to its customers. Compare benefit limits and regions to fit your itinerary.

What it costs

Single-trip premiums are modest, often around RM19 for short regional trips and rising toward RM100 or more for longer worldwide journeys with higher benefit limits. Annual multi-trip plans cost more upfront but save money for frequent travellers. Price depends on destination region, trip length, traveller age and coverage level. Family and group plans can offer better per-person value, and adding adventure-sports cover raises the premium.

Protections and regulation

Travel insurers and takaful operators are licensed and supervised by Bank Negara Malaysia (BNM) under the Financial Services Act 2013 and Islamic Financial Services Act 2013. Policies come with a product disclosure sheet, and claims disputes can be escalated to the Ombudsman for Financial Services (OFS). Buy only from BNM-licensed providers, and keep documentation such as receipts and reports to support any claim.

Common questions

Is travel insurance mandatory? Not always, but some countries and visa applications require proof of cover, and it is strongly advised given high overseas medical costs.

Are pre-existing conditions covered? Usually not under standard plans; you may need to declare them and buy specific cover, or they will be excluded.

Should I buy single-trip or annual cover? Single-trip suits occasional travellers, while an annual multi-trip plan is more cost-effective if you travel several times a year.

The cheapest Travel Insurance in Malaysia is RM19 /month from Allianz Malaysia.

Travel Insurance in Malaysia — FAQ

What is the cheapest travel insurance in Malaysia?

Giraffy tracks 19 travel insurance products across 14 insurers in Malaysia. The lowest tracked price is RM19 /month. Compare by cover level and excess, not just price — a very cheap policy may have low medical cover limits or high excesses that leave you underinsured.

What should travel insurance cover as a minimum?

At minimum, look for: emergency medical treatment and repatriation (at least £5–10 million), trip cancellation and curtailment, baggage and personal effects, personal liability, and passport/travel document cover. Travel to the US requires especially high medical limits due to healthcare costs.

Is annual multi-trip travel insurance worth it?

If you take three or more trips per year, annual multi-trip insurance is almost always cheaper than buying single-trip policies. The annual policy covers an unlimited number of trips up to a maximum trip duration (typically 31–90 days). Check that all your planned destinations and activities are included.

Does travel insurance cover pre-existing medical conditions?

Standard policies often exclude pre-existing conditions or charge an additional premium to include them. Always declare medical conditions when applying — failure to disclose can invalidate your claim. Specialist providers offer cover for conditions like diabetes, heart disease, and cancer, though premiums will be higher.

Is adventure sports or extreme activities covered?

Most standard policies exclude or limit adventure sports — skiing, snowboarding, scuba diving, and other higher-risk activities require specialist cover or add-ons. If you're planning active travel, check the policy's activity list or take out a specialist policy that explicitly includes your planned activities.

What is the excess on a travel insurance policy and how does it work?

The excess is the amount you pay towards each claim before the insurer pays the balance. Higher excess = lower premium. Choose an excess you can comfortably afford — if your excess is £200 and your lost luggage claim is £150, you'll receive nothing. Check whether the excess applies per claim or per incident.