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What is Travel Insurance?


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.


What are the Destinations Covered by Travel Insurance?


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



  • See Travel Insurance for more destinations.


    Should I Get Travel Insurance?


    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.


    What are the Benefits of Travel Insurance?


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

  • •  Adrenaline junkies planning on doing extreme sports and similar activities such as bungee jumping, rafting, and visiting the wildlife 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 avail of student travel insurance plans that cover different types of applicable emergencies.


  • What are the different types of travel insurance?


    There are different types of travel insurance that cater to the needs of certain people, below are a few of the common options:


    •  Annual trip travel insurance

    This option is ideal for those who travel more than twice a year, as it covers your trips for the next 12 months. Period of coverage for each trip is 90 days, and type of coverage will be the same for all trips taken within the 12-month period.


    •  Single trip travel insurance

    This is the most common plan that covers only 1 trip for around 180 days of travelling.


    •  Group or family travel insurance

    This insurance coverage is specifically designed for those who usually travel with companions. A group travel insurance plan is usually more cost-effective than a single trip plan and provides the same coverage for each individual.


    •  Backpackers travel insurance

    This travel insurance plan, as the name implies, is designed specifically for backpackers. If you’re globetrotting or moving from one destination to the next, this plan provides some of the best coverages and benefits for you.


    What are the Coverage Benefits of Travel Insurance?


    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 accommodations.


    •  Travel inconvenience benefits

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


    Travel Insurance Terms You Need to Know


    •  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.



    With the variety of travel insurance policies available that offer different benefits and coverages, it can be challenging to find the one that suits your requirements, no matter how simple they may be. Do you want to see which travel insurance plan is the best for your needs? Compare travel insurance with GoBear and check the pros and cons of the plans offered in Malaysia by major insurance companies, including:


  • • HL MSIG Takaful Travel Insurance


  • • Tune Protect Travel Insurance


  • •  MSIG Travel Insurance



  • See more travel insurance companies.



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    • 1.How is the coverage score on GoBear calculated?
      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.
    • 2.Why do I need to buy travel insurance?
      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.
    • 3.What are the different types or categories of travel insurance?
      Travel insurance categories include: one way trip, single trip, annual trips, individual trips. Below are the most commonly used categories and plans explained in detail: 1. Single trip: A short term policy that covers a specific trip, usually always commencing from and returning to Malaysia. 2. Individual Plan: It covers the policy holder or an individual person. 3. Annual Cover: A policy issued for a 1 year period covering trips commencing from and returning to Malaysia. This insurance will cover the insured person only. 4. Family Plan: A policy insurance covering the policyholder and his immediate family i.e. his legitimate children and his legal spouse. Some insurers put a cap on the number of insured persons under this plan.
    • 4. What do I have to take into consideration before choosing a specific travel insurance plan?
      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.

    If you find these answers helpful? Check out our FAQs for other products to learn more.