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•  Premium
This is the cost of applying for insurance coverage. It could be paid in full or through instalments during the duration of the insurance policy.

•  Coverage
This is the risks that the insurance provider is willing to cover for the insured persons. An insurance company might cover expenses occurred due to travel delays but won't cover the bag you lost.

•  Deductible
This is the amount the policyholder must pay before the travel insurance company starts making payments. Think of it as paying for a down payment.

•  AD & D
This is an acronym for accidental death & dismemberment. This is coverage for accidents that cause the insured's death or loss of body parts during the trip. A coverage like this is recommended for travellers that know they'll be doing something dangerous.

•  Repatriation benefit
This refers to the covered expenses of preparing and sending a deceased person's body back to their home country.

Before applying for travel insurance, you should know what the company is actually willing to cover for you. Some offer great benefits for emergency medical expenses with high limits, while others offer better coverage for accidents from extreme sports. Here are a few a common coverages and benefits most travel insurance companies provide:

•  Emergency medical and hospital expense coverage
This covers most medical expenses incurred while travelling. Most insurers won’t pay expenses upfront, though, so you may have to pay first and then submit a claim to your travel insurance provider.

•  Worldwide assistance hotline
You’ll be able to access your travel insurance company’s hotline whenever needed. You may also request for emergency evacuation or even trip accommodation.

•  Travel inconvenience benefits
Problems such as losing your baggage, delayed flights, and missing your connecting flight are also covered by most travel insurance plans.

•  For businessmen who travel frequently, an annual travel insurance plan will cover each trip taken during the year.

•  Adrenaline junkies addicted to extreme sports and similar activities such as bungee-jumping, rafting, and wildlife tourism can apply for a travel insurance plan with extreme sports coverage.

•  People travelling with expensive goods and important documents can have their items covered by their travel insurance policy.

•  Students studying abroad can also subscribe to student travel insurance plans that cover different types of applicable emergencies.

Travel insurance is a type of insurance that prepares you for the unexpected when you’re on a trip. It provides coverage in case your expensive luggage goes to Macau when you’re originally headed for South Korea. It takes care of the damages made during your Airbnb™ stay, or the loss of your passport or other travel documents. It accommodates children aged 1 month and above and adults up to the age of 79. 

Travel insurance companies offer various types of flight insurance with different coverages and benefits. A number of companies also cater to those with specific or special requirements, whether they be businessmen with highly valuable documents and gadgets, collectors with priceless treasures to bring home, or families who want to enjoy peace of mind while on vacations.

Whether you’re travelling within Malaysia or overseas, your travel insurance can provide coverage for a multitude of destinations depending on your provider. Travel insurance companies may provide different plans according to your desired destination. However, a number of companies do not cover any travels made in, to, or through Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan or Syria. 

Find your next destination below and know more about how to prepare especially travel insurance for your next best adventure:

• Singapore

• Australia

•  India


Travel insurance allows you to roam Malaysia and the world without worry of travel hassles, such as losing baggage, travel delays, and trip cancellations. Find out the greater benefits as well as misconceptions about this type of security for your solo and family adventures. You can compare travel insurance plans with GoBear and see how easy it is to get you covered for up to RM10,000,000.

Making a claim is not as complex as it sounds. Insurers have set clear guidelines for claiming refunds on charges and fees incurred during your travel that are covered by the policy. Remember, a claim is supposed to lighten the burden from baggage loss or cancelled holiday trip. Getting it acknowledged and approved is as helpful as reading the easy steps in claiming travel insurance refund below: 

Beat the time limit

Insurers have set a time limit to notify them about your claim. Contacting them within thirty days after the incident is advised since there are other procedures to undergo and authorities to be involved. 

Fill out the claims forms right

Provide accurate details when filling out the claims form from your insurer. Know what you are claiming for, there are different procedures that for the covers involved. Claiming for medical expense may need a process unique from claiming for trip cancellation. 

Prepare your photos and documents

These are all considered as evidence for the claim. A picture of tampered passport due to accidents or receipts from a hospital where you have undergone treatment will support the validity of your claim. It may also help to get a letter from your airline stating the circumstance that may have led to the interruption of your travel. 

Submit your claim within the allotted period

Submit your claim and get an acknowledgment receipt for it. Provide enough time for your insurer to review your submission. If you think it’s been a while and response is not on the way, contact your insurer and find out what causes the delay. They may need other supporting documents to pursue the process. 

Prepare for an appeal

The insurer may have judged the circumstance differently and you need to make an appeal for consideration of your claim. Try hard to search for other information and proof to make your claims better. 

Travel insurance policies vary from one insurer to another. It helps to compare insurers with GoBear to land in the hands of reliable insurance companies that sort out the complexities of the claims process. 

A travel insurance may cover the high costs that can be incurred from any unforeseen circumstances such as luggage loss, cancellation of your trip, serious illness, accidents, etc. It provides you with peace of mind and pocket.

The Coverage Score for a particular insurance product from a particular insurance provider is calculated and generated via a mathematical algorithm based on the coverage amounts of each of the key benefits of that product relative to those of and from other insurance providers. For example, with regard to travel insurance products:

• Personal accident

• Medical expenses

• Lost bags and belongings

• Cancelled trip

• Emergency medical evacuation

Based on the above, a score is then assigned to the product's coverage out of 5. The average of the 5 coverages is taken to give a score out of 10. The score assigned is completely based on the respective coverage amount and no other factor(s) other than as specified above.

For specific advise you should always liaise with an insurance company or broker (which we are not) but in general it's recommendable to check certain needs and expectations you have before taking a decision such as:

1. Do you travel alone or with your family? How frequently do you travel?

2. Which country are you travelling to? Do they have access to good hospitals, medical facilities? Will you be travelling to more remote areas where there could be malaria, natural disasters, etc.?

3. Are you travelling within Malaysia? If you are, then you should be looking at plans that include domestic coverage.

4. Are you travelling for pleasure or business?

5. What sort of activities will you be undertaking? Skiing? Diving? Adventure?

6. What is your budget?

7. What are your expectations? Do you only require personal accident and medical expenses benefits, or do you also need coverage for repatriation, delayed departure, trip cancellation, loss of baggage or travel documents, etc.