Allianz Malaysia Plan Allianz Malaysia
RM19 /month
- Provider: Allianz Malaysia
- Jenis Penutup: Travel
Compare Travel Insurance in Malaysia
Compare the top travel insurance providers in Malaysia — see cover, features and typical rates side by side.
Live offers
19 live offers compared from 14 providers, from RM19 /month. Updated daily.
Insurans Perjalanan Allianz MY Allianz Malaysia
RM100 /tahun
- Jenis Penutup: Perjalanan sekali jalan & tahunan
- Perlindungan Perubatan: Sehingga MYR 1 juta perubatan kecemasan
- Wilayah: Seluruh dunia
- Ciri Utama: Allianz — Penanggung insurans #2 Malaysia; perlindungan pembatalan terkuat
Pengawal Perjalanan AIG MY AIG Malaysia
RM100 /tahun
- Jenis Penutup: Perjalanan sekali jalan & tahunan
- Perlindungan Perubatan: Sehingga MYR 1.5 juta perubatan kecemasan
- Wilayah: Seluruh dunia
- Ciri Utama: AIG — jenama global; perlindungan perubatan + pemindahan yang komprehensif
Insurans Perjalanan MSIG MY MSIG Malaysia
RM100 /tahun
- Jenis Penutup: Perjalanan sekali jalan & tahunan
- Perlindungan Perubatan: Sehingga MYR 1 juta perubatan kecemasan
- Wilayah: Seluruh dunia
- Ciri Utama: MSIG — Kumpulan MS&AD; perlindungan kemalangan diri yang kukuh
Tune Protect Travel MY Tune Protect
RM100 /tahun
- Jenis Penutup: Perjalanan sekali jalan & tahunan
- Perlindungan Perubatan: Sehingga MYR 500k perubatan kecemasan
- Wilayah: Seluruh dunia
- Ciri Utama: Tune Protect — sekutu AirAsia; harga kemasukan terendah; digital-first
Maybank Etiqa Travel MY Maybank
RM100 /tahun
- Jenis Penutup: Perjalanan sekali jalan & tahunan
- Perlindungan Perubatan: Sehingga MYR 1.5 juta perubatan kecemasan
- Wilayah: Seluruh dunia
- Ciri Utama: Etiqa — Kumpulan Maybank; pilihan takaful Islam yang kukuh; my2u bersepadu
Pengawal Perjalanan AIG AIG Malaysia
RM100 /tahun
Produk Travel Guard global AIG dengan bantuan kecemasan 24/7 di seluruh dunia.
- Jenis Penutup: Perjalanan berbilang perjalanan tunggal & tahunan
- Perlindungan Perubatan: Sehingga USD 1,000,000
- Wilayah: Seluruh dunia
- Ciri Utama: Had perubatan USD 1 juta
Etiqa eTiQa Travel Etiqa Insurance & Takaful
RM100 /tahun
Insurans perjalanan dalam talian Etiqa dengan pengeluaran polisi serta-merta dan pilihan Takaful.
- Jenis Penutup: Perjalanan berbilang perjalanan tunggal & tahunan
- Perlindungan Perubatan: Sehingga MYR 500,000
- Wilayah: Seluruh dunia
- Ciri Utama: Pilihan takaful tersedia
Great Eastern TravelSmart Premier Great Eastern Malaysia
RM100 /tahun
Pelan perjalanan premium Great Eastern dengan pemindahan perubatan tanpa had.
- Jenis Penutup: Perjalanan berbilang perjalanan tunggal & tahunan
- Perlindungan Perubatan: Tidak terhad
- Wilayah: Seluruh dunia
- Ciri Utama: Pemindahan tanpa had
Takaful Ikhlas Travel Care Takaful Ikhlas
RM100 /tahun
Takaful perjalanan patuh syariah dengan perlindungan komprehensif untuk pelancong Muslim.
- Jenis Penutup: Perjalanan sekali jalan
- Perlindungan Perubatan: Sehingga MYR 300,000
- Wilayah: Seluruh dunia
- Ciri Utama: Takaful Patuh Syariah
Perjalanan Lindungi Tune Tune Protect
RM100 /tahun
Insurans perjalanan mesra bajet dengan tahap perlindungan fleksibel daripada Tune Group.
- Jenis Penutup: Perjalanan sekali jalan
- Perlindungan Perubatan: Sehingga MYR 200,000
- Wilayah: Seluruh dunia
- Ciri Utama: Premium rendah, kerjasama AirAsia
Pelindung Perjalanan Tokio Marine Tokio Marine Malaysia
RM100 /tahun
Insurans perjalanan Tokio Marine dengan bantuan kecemasan 24 jam di seluruh dunia.
- Jenis Penutup: Perjalanan berbilang perjalanan tunggal & tahunan
- Perlindungan Perubatan: Sehingga MYR 750,000
- Wilayah: Seluruh dunia
- Ciri Utama: Talian kecemasan 24 jam
Perisai Perjalanan Zurich Zurich Malaysia
RM100 /tahun
Insurans perjalanan Zurich dengan perlindungan pembatalan perjalanan, perubatan dan bagasi.
- Jenis Penutup: Perjalanan berbilang perjalanan tunggal & tahunan
- Perlindungan Perubatan: Sehingga MYR 500,000
- Wilayah: Seluruh dunia
- Ciri Utama: Pembatalan perjalanan menyeluruh
Berjaya Sompo TravelSafe Berjaya Sompo Insurance
RM100 /tahun
Insurans perjalanan Sompo dengan perlindungan perubatan dan kemalangan diri yang komprehensif.
- Jenis Penutup: Perjalanan berbilang perjalanan tunggal & tahunan
- Perlindungan Perubatan: Sehingga MYR 500,000
- Wilayah: Seluruh dunia
- Ciri Utama: Perlindungan kemalangan diri
Liberty TravelSure Liberty Insurance Malaysia
RM100 /tahun
TravelSure Liberty Insurance dengan perlindungan kelewatan bagasi dan pembatalan perjalanan.
- Jenis Penutup: Perjalanan sekali jalan
- Perlindungan Perubatan: Sehingga MYR 500,000
- Wilayah: Seluruh dunia
- Ciri Utama: Pampasan kelewatan bagasi
Lonpac Travel PA Lonpac Insurance
RM100 /tahun
Pelan kemalangan diri dan perubatan perjalanan Lonpac pada premium yang kompetitif.
- Jenis Penutup: Perjalanan sekali jalan
- Perlindungan Perubatan: Sehingga MYR 200,000
- Wilayah: Seluruh dunia
- Ciri Utama: Fokus kemalangan diri
Allianz Travel Care Plus Allianz Malaysia
RM100 /tahun
Pelan perjalanan satu perjalanan komprehensif Allianz dengan perlindungan perubatan kecemasan sehingga MYR 1 juta.
- Jenis Penutup: Perjalanan berbilang perjalanan tunggal & tahunan
- Perlindungan Perubatan: Sehingga MYR 1,000,000
- Wilayah: Seluruh dunia
- Ciri Utama: Perlindungan perubatan MYR 1 juta
AIA TravelEasy AIA Malaysia
RM100 /tahun
TravelEasy AIA dengan pemindahan perubatan kecemasan tanpa had dan perlindungan COVID-19.
- Jenis Penutup: Perjalanan berbilang perjalanan tunggal & tahunan
- Perlindungan Perubatan: Tidak terhad
- Wilayah: Seluruh dunia
- Ciri Utama: COVID-19 dilindungi
MSIG TravelRight Plus MSIG Malaysia
RM100 /tahun
TravelRight MSIG dengan perlindungan sukan lasak dan bantuan kecemasan serantau.
- Jenis Penutup: Perjalanan berbilang perjalanan tunggal & tahunan
- Perlindungan Perubatan: Sehingga MYR 1,000,000
- Wilayah: Seluruh dunia
- Ciri Utama: Perlindungan sukan disertakan
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 5 travel insurance products across Allianz Malaysia,AIG Malaysia,MSIG Malaysia,Tune Protect 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.