international travel insurance that covers covid 19 malaysia

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Your Guide To Travel Insurance With Covid-19 Coverage

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How COVID-19 has changed travel insurance

Berjaya sompo, tune protect, why travel insurance is important.

Travel insurance used to be considered as something that involved extra expenses if you have spare cash left over after paying for airline tickets and hotel rooms. For most of us, when it is finally time for that long-awaited overseas vacation or business trip, the last thing you want to think about is things going wrong.

Fast forward to 2022 and with borders opening up around the world, travel insurance is no longer something that you can choose not to buy. In fact, many countries require travellers to have some form of Covid-19 travel insurance, or at the very least pay for their Covid-19 screening and quarantine costs before they are allowed to enter.

The world has made much progress in the fight against the COVID-19 pandemic. However, there are still some lingering risks, especially with the potential for new waves or strains to pop out of nowhere.

Travellers may find themselves completely stuck if their host country experiences a sudden spike in COVID-19 cases. The pandemic has proven itself to be highly unpredictable. As such, lockdowns can occur in the blink of an eye. Travellers who find themselves stranded in a strange and foreign land will find that travel insurance can help to cover these extra unforeseen costs.

In order to make it simple, we have compiled a list of travel insurance with Covid-19 coverage that Malaysians can buy.

Travel insurance with COVID-19 coverage

AIG travel insurance policies offer a wide range of benefits. For medical coverage, AIG covers hospitalisation expenses incurred up to RM1 million, as well as providing a travel assistance team that is on call to provide emergency help and advice.

Other benefits:

• Up to RM400,000 paid out if customers suffer from an accidental death or permanent disablement during their trip.
• Covers transport & accommodation costs due to trip cancellations, as well as extra expenditures as a result of travel inconveniences or natural disasters.
• If the customer is diagnosed with COVID-19, AIG will provide COVID-19 coverage including medical and emergency evacuation & repatriation expenses up to RM700,000, travel cancellation, travel curtailment and quarantine allowance benefits.

AXA has recently introduced its Smart Traveller Enhanced package to complement its other travel insurance offerings. The package provides the option to add on their Pandemic Cover scheme for overseas trip to cover trip cancellation, trip curtailment, medical, hospital and treatment expenses, hospital allowance, emergency medical evacuation, emergency medical repatriation and repatriation of mortal remains if they are diagnosed with a pandemic illness, especially COVID-19 related cases.

• Up to RM300,000 in overseas emergency medical, hospital and dental expenses.
• Hospital Allowances up to RM10,500 (or RM350/day for overseas travel).
• Compensation for trip delays, cancellations, and curtailments, reimbursements for damaged baggage and trip inconveniences up to RM7,500.
• Unlimited emergency medical transportation.

SOMPO’s TravelSafe insurance plan is a comprehensive travel insurance that covers customers against any injury, illness, accident, and travel inconvenience during their Trip. The plan is split up into 3 different Elite packages with medical and hospital expense compensation that can range from RM150,000 to RM500,000 depending on the package chosen.

• All COVID-19 related cases are also covered under the TravelSafe plan.
• Reimbursements for compassionate visits, child care, hospital allowance, COVID-19 quarantine allowance, and follow-up treatment upon return to Malaysia.
• Comes bundled with Emergency evacuation and repatriation, along with personal accident coverage.
• Covers travel inconveniences including loss of baggage, baggage delay, travel delays, re-routings, cancellations, travel curtailment, loss of deposits, missed departures, personal liability, and more.

ETIQA offers 3 unique plans for customers, TripCare 360 (Overseas), SingBorder Travel (For trips to Singapore), and Travel Ezy (Domestic). There is also a Takaful option for each of these packages. Under the TripCare 360 scheme, beneficiaries receive a cashless medical coverage plan allowing for hospital admittance via a letter of guarantee obtainable through a 24/7 hotline.

• Additional add-on for COVID-19 coverage (areas that are classified as level 4 risk by the CDC will not be covered).
• Up to RM5,000 for loss or damage to baggage, money, travel documents, and personal belongings.
• Compensation of up to RM100 for flights that are delayed by no more than 2 hours.
• Features add-on options for adventurous activities and a 25% rebate when purchasing this plan online.

MSIG TravelRight Plus Insurance is a comprehensive insurance that provides compensation for mishaps and covered events during your journey within the policy period. Customers can opt for a short-term policy for a single trip or an annual policy to cover an unlimited number of trips in a policy year. Depending on the plan chosen, customers can get up to RM500,000 insured on medical expenses. COVID-19 coverage comes in the form of an add-on package.

• COVID add-on includes up to RM450,000 insured COVID-19 coverage and up to RM500,000 in medical evacuation and repatriation expenses.
• Up to RM100,000 in terms of follow-up treatment once they have returned to Malaysia.
• Includes benefits for luggage delays, reimbursement for luggage loss or damages, travel cancellations, curtailments, and delays.
• Coverage for home damages or losses while customers are away on their trip.

Tune Protect’s Travel Easy COVID Plus Plan is divided into individual and family plans. Under this plan, individuals can get up to RM250,000 insured up to the first 30 days of trip duration, while the family plan can go up to RM750,000 insured. Additionally, the plan also offers a daily quarantine allowance up to RM1,400 in total for individuals and RM4,200 for families.

• Includes emergency overseas evacuation & repatriation, hospital income, compassionate visit, bereavement allowance, compensation for trip curtailment and trip cancellations.
• Offers a COVID Lite Plan which includes RM100,00 in medical expenses for the first 30 days of the trip duration (RM300,000 for families).
• COVID Light Plan includes emergency overseas evacuation & repatriation benefits, but foregoes the other benefits listed within the Plus Plan.
• Both COVID plans include the basic Travel Easy package benefits, but customers are able to purchase the basic plans separately.

*Basic plans do not include COVID-19 coverage.

Covid-19 aside, we still have to acknowledge that there are plenty of risks involved, ranging from minor to serious.

Here’s why travel insurance should always be considered:

It covers medical emergencies

• Accidents can happen anywhere, so having the assurance that an insurance company will reimburse part of the cost for emergency medical treatment can help put minds at ease.
• Common coverage includes death and permanent disablement, hospitalisation, and medical expenses as well as repatriation.

It covers travel risks

• Travel insurance can also help out with non-medical related emergencies. A fairly common problem that occurs during travel is the loss of a passport or checked-in baggage. These can drain a traveller’s wallet and time if they are not insured.
• At the very least, travel insurance can offer compensation up to a certain limit should such unfortunate circumstances occur.

It covers trip disruptions

• Sometimes, problems can occur that are completely out of a traveller’s hands. Trip cancellations are common occurrences. Your travel Insurance can provide coverage for bookings that are cancelled, and in certain policies, provide compensation for entire trip cancellations.
• Having these risks covered provides a hefty financial safety net.

Whether you are taking a flight overseas, or going on a road trip across the country, it is far better to be safe than sorry.

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Malaysia unveils Covid-19 insurance to woo medical tourists

In a bid to entice more healthcare travellers to the country, Malaysia Healthcare Travel Council (MHTC) has collaborated with Tune Protect Group to introduce a Covid-19 travel protection plan for foreign nationals seeking medical advice and treatments in private hospitals in Malaysia.

Known as the Covid Travel Pass+, there are two types of plans: the basic and premium plan. The basic plan provides medical expenses and hospitalisation coverage due to Covid-19 of up to RM100,000 (US$23,849); and the premium plan, up to RM350,000. Both plans also come with a bereavement allowance of RM10,000.

Benefits of the travel insurance plan include trip cancellation, flight on arrival delay, loss or damage to checked-in baggage, and Covid-19 diagnosis quarantine allowance (RM350 per day up to RM2,450), among others.

Rohit Nambiar, group CEO, Tune Protect, said in a press release: “Malaysia is recognised for its award-winning healthcare services and with travelling restrictions loosening up, we are expecting the number of healthcare travellers to increase.

“With this, we are pleased to collaborate with MHTC as we believe in going where customers want us to be. The timely collaboration provides convenience and worry-free travel experience for healthcare travellers seeking to access medical treatment and advice here in Malaysia.”

Mohd Daud Mohd Arif, CEO of MHTC, said the launch of the travel insurance plan is part of the council’s strategy “to demonstrate Malaysia’s strengths as a safe and trusted destination, and offer healthcare travellers accessible and affordable protection plans as the country begins to welcome international visitors back to our shores”.

Launched last week by Tune Protect Group, the Covid Travel Pass+ is designed to help foreign travellers entering Langkawi in Malaysia and destinations in Thailand meet the mandatory Covid-19 insurance coverage requirements set by the respective governments – which is a minimum of US$80,000 for Langkawi and US$50,000 for Thailand.

The service is currently available to foreigners flying AirAsia into Langkawi and destinations in Thailand, and will later be rolled out to other destinations.

Eligible travellers can purchase the Covid Travel Pass+ when booking their flight tickets on the AirAsia super app. Post-flight purchase subscription is also available prior to departure.

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Many countries are easing their restrictions and gradually re-opening their borders, making it mandatory for inbound visitors to have travel insurance that covers Covid-19-related medical expenses. While the COVID-19 pandemic situation is still ever evolving, many travellers are concerned if they are covered and protected against the pandemic.

To address the increasing protection needs given the anticipated rise in international travels, AXA Affin General Insurance Berhad (AXA) has introduced Smart Traveller Enhanced ̶ the first-in-market travel insurance in Malaysia that provides coverage for pandemic illness up to RM350,000.

Travellers now have the option to add on Pandemic Cover for overseas trip to cover trip cancellation, trip curtailment, medical, hospital and treatment expenses, hospital allowance, emergency medical evacuation, emergency medical repatriation and repatriation of mortal remains if they are diagnosed with a pandemic illness.

Emmanuel Nivet, Chief Executive Officer of AXA emphasised that travel insurance has now become more essential than ever as a safety net that protects against unforeseen emergencies and expenses. With travellers being more mindful of every possible scenario they could encounter, they will prioritise ‘safe travels’ and plan ahead to safeguard their trips for peace of mind.

“Although pandemic exclusion is common in insurance policies, we are glad to pivot quickly with enhanced coverages and be the first in the market to introduce Pandemic Cover for overseas trip with the widest coverage. The plan has received an overwhelming response among travellers since launch and we expect the demand to continue to grow. We are positive that this meaningful coverage will address the protection gap in the market and benefit all travellers,” Emmanuel added.

Besides Pandemic Cover for overseas trip, Smart Traveller Enhanced also comes with other comprehensive coverages such as:

Hospital Allowances - Up to RM10,500 (or RM350/day for overseas travel)

Compensation for Damage to Personal Belongings & Travel Inconveniences – Up to RM7,500

Trip Cancellation & Curtailment – Up to RM20,000

Emergency Medical Evacuation & Repatriation

Easy online claim submission and more!

For road trips, staycations or domestic travels, travellers can opt for Jom Lokal Travel insurance plan that covers non-refundable charges paid prior to trip cancellation, journey disruption, e-wallet protection, food poisoning and more.

To learn more about Smart Traveller Enhanced and Jom Lokal Travel , travellers can reach out to AXA’s extensive network of agents, partners, or contact Customer Service at +603 2170 8282. Smart Traveller Enhanced can also be purchased easily via AXA Travel Online .

This content is provided by Supernewsroom.

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Malaysia: Travel Insurance and Safety Advice

Malaysia Visitors Insurance and Safety Advice

Malaysia is ranked 9th in the world for receiving the most tourists, according to the United Nations World Tourism Organization . And it’s the smallest country on that top 10 list. But for its small size, it is mighty. It boasts spectacular beaches, islands, national parks, and cities that keep visitors coming back for more. It’s also increasingly popular with Expats, who appreciate an affordable cost of living and easy travel access to neighboring countries. If you’re contemplating a visit or a move, here’s a primer on Malaysian health, insurance, and safety advice.

Malaysia Travel Insurance Plans

Best short term (up to one year) travel insurance for visitors to malaysia.

For most travelers, the Atlas Travel Insurance plan is an excellent option providing travel medical insurance for trips abroad, including to Malaysia.

• Emergency medical, evacuation, repatriation benefits
• Choose between the basic and more extensive coverage
• Meets Schengen visa insurance requirements
• 24/7 worldwide travel and emergency medical assistance

Travel Insurance for US Citizens Visiting Malaysia

GeoBlue offers the Voyager Travel Insurance plan for travelers to Malaysia. The Voyager plan is a great option for US citizens looking for emergency medical coverage along with other travel insurance benefits. If you are interested in trip cancellation insurance, consider Seven Corners Travel Insurance . In addition to emergency medical benefits for travelers, the plan will cover your trip costs including flights and hotels.

GeoBlue Voyager Plan

• For U.S. citizens up to age 95
• Includes pregnancy coverage, baggage loss, trip interruption & more
• 24/7/365 service and assistance

Seven Corners Trip Protection Insurance

• Comprehensive trip protection for U.S. residents traveling abroad.
• Optional rental car collision coverage available.
• Optional Cancel for Any Reason coverage available (if eligible).

Best Malaysian International Medical Insurance Plan

Cigna Global Insurance Plan

• The flexibility to tailor a plan to suit your individual needs
• Access to Cigna Global’s trusted network of hospitals and doctors
• The convenience and confidence of 24/7/365 customer service

Read: Health Insurance in Malaysia for Foreigners and Expats

General Travel Safety and Advice When Visiting Malaysia

The majority of travelers who visit Malaysia come home with glowing reports of the country’s beautiful countryside, amazing cities, and delicious food. However, every destination has health and safety concerns, and, in Malaysia, some of those are more pronounced than others.

In particular, most governments have issued a strong travel warning about traveling to the coastal areas of eastern Sabah for fear of kidnapping, piracy, and terrorism. The New Zealand government, for instance, advises: “There is an ongoing risk of kidnapping in coastal areas of eastern Sabah. Terrorist and criminal groups…have in the past kidnapped people from these areas and further kidnappings are likely.”

In major cities, petty crimes like purse snatching aren’t that unusual. Like with any other trip, keep a close eye on personal possessions and minimize your risk with secure, cross-body style bags. Speak with hotel staff or trusted friends about identifying unsafe streets, if applicable.

Traveling with illegal drugs is foolhardy and risky in any region of the world, and especially so in Malaysia. The current government has an extremely aggressive stance on drug use and distribution. The penalties for such crimes are severe and include the death penalty.

Understanding Malaysia’s Health Care System

Malaysia has a two-tier health care system. This means that government-funded, universal health care co-exists with privately funded healthcare options. While the public system is widespread, services may be basic in rural areas. However, healthcare improvements and investments are a government priority. Pilot projects, including delivering prescription medicine by mail, have received favorable reviews. Many rural hospitals and clinics also use a Tele-Care system to connect patients and specialists. Hopefully, as a result, more isolated regions will see improvements. In the meantime, if your travels involve extensive time in rural and isolated areas, inquire about travel insurance policies that include medical evacuation or air ambulance transfers to major cities in the case of an emergency.

A List of the Best Hospitals in Malaysia

In Malaysia’s cities, the private health care system has a very good reputation for access to specialists and leading diagnostic technology. Travelers should inquire about health care insurance that covers private hospital visits, as, in general, they are more comfortable and waits times are shorter.

Emergency Services in Malaysia

In Malaysia, for emergency services:

• Dial 999 to request an ambulance or police services
• Dial 994 to connect with a fire department
• 112 is an alternative emergency service for mobile phone users

The Malaysian government is the main provider of ambulances in the country but there’s not one centralized system for organizing them. For instance, a traveler in need may find themselves in an ambulance run by the Red Cross or a university. As a result, ambulance response times are slower than in many other countries (though the care provided within is good).  It can often be a tough call but travelers in need will have to determine if it’s possible to use alternative transportation, such as a taxi, to reach a hospital more quickly.

Vaccines Required and Health Advice for Malaysian Travel

As with every trip, your routine vaccinations should be up to date. That includes tetanus, diphtheria, pertussis, polio, measles, mumps, rubella, chickenpox, and your yearly influenza vaccine.

The CDC recommends hepatitis A and typhoid vaccines for most travelers. For some travelers, depending on their exact destination and travel plans, hepatitis B, rabies, and Japanese encephalitis may be recommended, as well as malaria prevention.

Travelers coming from countries where yellow fever is a risk are required to show proof of yellow fever vaccination. There is no risk of yellow fever in Malaysia. This is a preventative strategy to make sure travelers who have previously visited high-risk countries don’t bring the disease with them.

Tap water in Malaysia is generally not potable and travelers should stick to bottled or boiled water.

Many countries have a travel advisory for Malaysia because of the Zika virus. Pregnant women, in particular, should speak with their healthcare provider before they travel. While influenza is a concern in many Asian countries, the government of Malaysia has developed a comprehensive National Influenza Pandemic Preparedness Plan (NIPPP)

Medical Tourism in Malaysia

Not all tourists to Malaysia are motivated by surf, sun, and shopping. Medical tourism is a significant part of the Malaysian tourism economy. According to the Malaysia Healthcare Travel Council (MHTC), Malaysia reportedly received 641,000 foreign patients in 2011. While the majority of medical tourism patients are from Indonesia, the percentage from the United States, Canada, and Western Europe is growing. If you’re contemplating visiting Malaysia for the purposes of medical care, take the time to diligently research all of your options. Speak with your home health care team about your plan and reach out to other Expats and patients to learn from their experiences before you finalize your decision. 

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Travel Insure

Travelling is more enjoyable when you’re insured against the unexpected – be it lost passports or flight delays. We provide a travel insurance cover directly for you and your family members with access to a medical services hotline no matter where you are. So whether you’re an occasional traveller or a global jetsetter, there’s a plan for you.

Coverage Highlights

Key benefits.

Please refer to the policy contract for the full details of benefits, terms and exclusions that are applicable. The information provided here is a brief summary for quick and easy reference. The exact terms and conditions that apply are stated in the policy contract.

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Travel Care

Go on a totally fuss-free, carefree holiday with travel care.

Not all who wander are lost, but your luggage certainly could go missing. That's just one of the unexpected events that could put a dampener on your travel plans - there might also be flight delays, accidents or lost passports to contend with.

Travel Care provides a comprehensive suite of coverage and Allianz's Authorised Representative's emergency hotline (+603-76283919 or +603-79653919) is available 24 hours a day to support you through any emergency you might face, so you and your loved ones can have a stress-free trip filled with beautiful memories.

Stand to receive a Touch 'n Go eWallet Reload PIN worth up to RM50

Be one of the first 200 customers to purchase travel care with the promo code 'hsbc23' and get a touch ‘n go ewallet reload pin worth up to rm50. promotion period 27 november 2023 - 30 april 2024., ¹allianz travel care ("this plan") is underwritten by allianz general insurance company (malaysia) berhad (company no. 200601015674 (735426-v)) ("allianz general") and hsbc bank malaysia berhad ("hsbc malaysia") is the intermediary in distributing this plan. travel care customer campaign promotion  terms & conditions  apply..

• Overseas and domestic travel coverage This includes coverage for luggage and travel delays, and for overseas travel, the coverage also includes loss or damage to your travel documents, personal luggage and valuables, and more
• Accidental death and permanent disability coverage
• Emergency medical evacuation and repatriation programme
• Reimbursement of medical expenses We'll reimburse the necessary and reasonable medical, surgical or hospital charges, and emergency dental treatment fees incurred as a result of accidental bodily injuries, illness or death during your trip
• Option to purchase rider plans to extend your coverage when you participate in certain sports or events during your travels

What your coverage includes

What you need to know, are you eligible.

You're eligible for a Travel Care plan if you belong to one of the following categories:

• Malaysian citizen or permanent resident
• valid work permit or student pass holder
• legally employed in Malaysia

You'll also be able to get coverage for your spouse and child if they legally reside in Malaysia.

Good to know

Emergency contact information .

If there's an emergency when you're travelling, you can call the Allianz 24-hour emergency hotline on +60 3 7628 3919. Toll fees may apply.

Cover for COVID-19 

Travel Care covers medical expenses for COVID-19 treatment, subject to policy terms and conditions. Your diagnosis must be certified by a medical practitioner, and you'll also need to provide a supporting lab report or medical report that states your diagnosis. 

Cover for high-altitude mountaineering 

You can get cover for high altitude mountaineering by contacting Allianz via email on  [email protected] , or by calling 1300 22 5542.

What options for Travel Care plans are available?

The following plans are available:

• Adult Plan/Adult Annual Plan: if you're aged 18-70 years old
• Child Plan/Child Annual Plan: if you're aged 30 days-17 years old
• Senior Citizen Plan: if you're aged 71-80 years old
• Family Plan: if the policyholder is aged 18-70 years old, the policyholder's 1 selected legal spouse is aged 18-70 years old and the policyholder's child/children is/are aged 30 days-24 years old
• Under family plan, the payment per individual will be based on the limit under an adult plan and/or child plan, as the case may be subject to the maximum limit as stated in the Schedule of Benefits in the brochure and policy document.
• Maximum period of coverage per journey/trip is 200 days for one way or return trip.
• Maximum period of coverage per journey/trip is 90 days for annual policy.
• Maximum period of coverage per journey/trip for High Altitude Mountaineering activities is 30 days.
• Each trip must begin and end in Malaysia except for one way trip.
• Maximum period of coverage per journey/trip is 30 days for one way/return trip or annual policy.
• Premium is subject to Service Tax.
• Customer may opt for Automatic Renewal (for annual policy only). This policy is deemed to be automatically renewed and the applicable premium will be charged upon expiry unless otherwise instructed.

For other key terms and conditions, please refer to the Product Disclosure Sheet in the link below.

Ready to apply for Travel Care?

Get a quote via mobile banking or online banking.

If you have an HSBC debit or credit card, you can apply via our mobile banking app or through online banking. Go to the homepage, select 'Products and services', and choose 'Travel Care'. We'll help you apply by filling in information from your records.

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If you have an HSBC debit or credit card, you can also get a quote without logging on to mobile banking.

Scan the QR code to get the app

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The information provided on this page is not a contract of insurance. The descriptions of cover are a brief summary for quick and easy reference. The precise terms and conditions that apply are in the policy document. Allianz Travel Care ("this Plan") is underwritten by Allianz General Insurance Company (Malaysia) Berhad (Company No. 200601015674 (735426-V)) ("Allianz General") and HSBC Bank Malaysia Berhad ("HSBC Malaysia") is the intermediary in distributing this Plan. This Plan is exclusively for HSBC Malaysia Credit and Debit Cardholders only. Please read and understand the Product Disclosure Sheet (PDS), Brochure and Policy Wording before signing up.

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Important Notes 

1. The benefits payable from this insurance product are protected by Perbadanan Insurans Deposit Malaysia (PIDM) up to certain limits. Please refer to PIDM's TIPS Brochure, the PIDM website , or contact Allianz General Insurance Company (Malaysia) Berhad to get more information about the Takaful and Insurance Benefits Protection System(TIPS)

2. For after-sales service, you can contact Allianz by [email protected] or on 1300 22 5542 .

3. You may find out more about our coverage by visiting your nearest Allianz branch.

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Top Travel Insurances for Malaysia You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

Malaysia is a culturally diverse country that's home to lush rainforests, stunning beaches, and unique Malay heritage and cuisine. Although travelling to Malaysia can be an accessible holiday destination for many people, and although healthcare costs in the country aren't outrageously expensive, it's still a very good idea to arrive there with travel insurance anway, as you'll want the highest-quality healthcare you can find.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Malaysia and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Malaysia Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Malaysia:

Best Travel Insurances for Malaysia

• 01. Should I get travel insurance for Malaysia? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Malaysia scroll down

Heading to Malaysia soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for Malaysia?

No, there's currently no legal requirement to take out travel insurance for travel to or through Malaysia.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Malaysia or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Malaysia:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Malaysia. It lets you choose between various plans tailored to meet the specific needs of your trip to Malaysia, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Malaysia:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Malaysia? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Malaysia

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for Malaysia. However, we strongly encourage you to do so anyway, because the cost of healthcare in Malaysia can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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Is There Travel Insurance That Covers COVID Quarantine?

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

We get it — traveling these days can be an uncomfortable experience. In the ever-changing world of COVID-19 variants, border restrictions and PCR tests, learning how to stay protected is important.

Travel insurance can insure you against a variety of complications during travel, including trip delay, trip cancellation and medical issues. But not all policies are the same, and coverage can vary not only across providers, but across policies themselves.

Let’s take a look at travel insurance that covers COVID-19 quarantine, plus the best COVID-19 travel insurance.

What does travel insurance usually cover?

Travel insurance can provide peace of mind on vacation, especially when things go awry. There are varying types and levels of coverage for travel insurance, though these are common inclusions for travel insurance policies:

Trip cancellation insurance.

Trip interruption insurance.

Trip delay insurance.

24-hour hotline assistance.

Emergency medical insurance.

Primary/secondary medical insurance.

Lost or delayed baggage insurance.

Rental car insurance.

There's a lot of variety when it comes to travel insurance and the types of incidents it’ll cover. The cost of your premium will vary according to the plan you select.

Cancel for Any Reason insurance allows you to cancel your trip and recoup your costs, no matter why you’ve chosen to cancel.

Before buying travel insurance, check to see if any of your credit cards offer trip insurance . Some travel credit cards offer this insurance free of charge when you use your card to pay.

The Chase Sapphire Preferred® Card , for example, provides primary rental car insurance when you charge the car to your card.

The Platinum Card® from American Express , meanwhile, will cover trip cancellation, trip delay and lost luggage insurance. Terms apply.

There are no credit cards whose benefits include medical insurance. You’ll want to read the terms carefully to be sure that any travel insurance you purchase covers instances of COVID-19.

» Learn more: Will my travel insurance cover coronavirus?

Finding insurance that covers COVID quarantine

In the beginning of the pandemic, many insurance policies covered losses related to COVID-19, including trip cancellation and medical issues.

Since then, some providers have chosen to exclude coverage for coronavirus-related issues. So you’ll need to search specifically for an insurance policy that covers COVID-19.

Fortunately, there are still insurance providers that’ll provide coverage in the event you’re affected by COVID-19, including:

Trip cancellation.

Trip delay.

Medical care/hospitalization.

Quarantine.

Several countries — like Thailand — actually require that you purchase this insurance before traveling.

If you already have an insurance provider in mind, take a look at their coverage options — and any available add-ons — to see if COVID-19 quarantines are covered.

» Learn more: The best travel insurance companies

If you aren’t already committed to an insurance company, sites such as SquareMouth, a NerdWallet partner, will allow you to search for and compare policy coverage from multiple companies at once.

You’ll be asked to provide a variety of information, such as your destination, dates of travel, age, and whether you’d like to be reimbursed for cancellations.

SquareMouth’s search also includes the ability to filter search results so you’ll only see policies with COVID-19 protections.

Once you’ve found a provider whose policy includes COVID-19 coverage, you’ll want to make certain that quarantine will also be reimbursed. Reading the policy in full will tell you; it can look something like this:

» Learn more: What to know before buying travel insurance

How much will COVID quarantine travel insurance cost?

The price of travel insurance is going to depend on many factors, including the length of your trip, your age, your destination and your coverage limits.

As you’d expect, the more comprehensive your coverage and the higher your limits, the more expensive your policy will be. The same is true if you’re heading out of the country for an extended period of time.

When comparing insurance policies, you’ll want to think about coverage limits as well as whether the insurance will provide primary or secondary coverage. Compare these factors against other policies to see which policy is the right fit for you.

Here’s a comparison between two different policies. Although neither of these requires a deductible, one of these is secondary (it pays out after other insurance) and caps out at $15,000 per person in emergency medical expenses.

The other is primary (it pays out before other insurance policies) and covers up to $100,000 per person in emergency medical expenses:

While $15,000 may seem like a lot of money, remember that this total includes all doctor visits, tests and medications — in addition to the cost of your quarantine stay.

If you’re staying somewhere expensive, those costs can quickly add up.

Although some communities, such as New York City, may provide cost-free isolation accommodation, others will leave you to fend for yourself.

Even if staying in a moderately priced hotel, five to 10 days (or more) of isolation can quickly run into the thousands of dollars. You’ll want to be sure your insurance policy can cover this.

» Learn more: Does travel insurance cover COVID-19?

Final thoughts on travel insurance that covers COVID quarantine

Although the world is still trying to grapple with the COVID-19 pandemic, you may be looking to get out and travel again. Being protected in the event something happens can give you peace of mind when away from home.

This is especially true when it comes to mandatory COVID-19 quarantine, when costs can easily pile up. Acquiring travel insurance with COVID-19 quarantine protection can save you — and your wallet — in case of an emergency.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Easy and Instant Travel Protection

Planning for your vacation can be complicated these days, but getting travel insurance can be hassle-free with Travel Cover .

Whether you’re taking the long-awaited trip overseas or crossing the state to visit loved ones, we’ve got you covered with  COVID-19 benefits  and reimbursements for  overseas medical expenses ,  trip c hanges , and more!

Viewing from your computer screen? No worries! Scan the QR code below to get an instant quote now. 

Campaign Promotion Description Up to RM10 Grab ride voucher to/from any Malaysian airport for purchase of Travel Cover to any domestic & international destinations excluding Cuba.

Promotion period: 15 September – 31 December 2022.

1. From 15 September – 31 December 2022 (“Promotion Period”):

•  RM5 off Grab ride voucher to/from any Malaysian airport will be awarded in the My Rewards in the Grab App for purchase of Travel Cover with a minimum spend of RM20.
• RM10 off Grab ride voucher to/from any Malaysian airport will be awarded in the My Rewards in the Grab App for purchase of Travel Cover with a minimum spend of RM35.

Grab ride voucher will be awarded immediately upon payment completion to customers who purchase their single-trip travel insurance policy during the Promotion Period covering domestic journeys within Malaysia and overseas journeys to worldwide destinations excluding Cuba with no limitation of travelling date. (“Travel Cover”) (“Promotion”)

2. In order to enjoy this Promotion, each customer must fulfill the following criteria:     (i) the customer must purchase Travel Cover with a minimum spending of either RM20 or RM35; and    (ii) the customer must be the first 5,000 customers to successfully complete the purchase of Travel Cover during the Promotion Period (“Eligible Customer”)

3. Each Eligible Customer will only receive one (1) Voucher under the Promotion.

4. The award will be made via the My Rewards section in-app, which will be added as a Grab ride voucher in the Eligible Customer’s My Rewards.

5. The Promotion applies to Travel Cover for overseas journeys to worldwide destinations excluding Cuba. The Promotion also applies to domestic journeys within Malaysia and travelling more than 50KM from place of residence.

6. Travel Cover is underwritten by Chubb Insurance Malaysia Berhad (“Chubb”), a general insurer licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia. GrabCar Sdn Bhd is the master policyholder under the master policyholder for Travel Cover, distributed by GrabInsure Agency (M) Sdn. Bhd. (“GrabInsure”), a registered agent of Chubb Insurance Malaysia Berhad.

7. The Promotion is sponsored by Chubb, in collaboration with GrabInsure.

8. Chubb and/or Grab reserves the right to suspend or terminate the Promotion, or vary any terms and conditions herein, at any time without notice.

9. This Promotion cannot be used in conjunction with other incentives and promotions offered by Chubb or Grab.

10. This Promotion will not affect or vary any term of Travel Cover policy wording (“Policy Wording”). In the event of a conflict or inconsistency between these terms and conditions and the terms and conditions of the Policy Wording, the terms and conditions of the Policy Wording shall prevail. Please refer to the Policy Wording for the full details of all benefits, terms and exclusions that are applicable to Travel Cover.

11. To the fullest extent permitted by law, Grab and/or Chubb shall not be liable for any claim, loss or damage whatsoever incurred directly or indirectly due to the Promotion or suitability of Travel Cover offered to the customers by Chubb.

12. This Promotion is subject to the Insurance’s Terms of Service:  https://www.grab.com/my/terms-policies/insurance/

Why Travel Cover?

Seamless purchase

Get an instant quotation and purchase directly from the Grab superapp.

Convenience

Store your own and your travel companions’ profiles for future Travel Cover purchases.

COVID-19 benefits

How much does it cost?

Key benefits.

Enjoy up to RM300,000 compensation covering benefits from personal accident protection and overseas medical expenses to baggage and travel delays.

View the full list of benefits within the Grab app

No. You must purchase your policy before you depart from Malaysia.

Yes. To cover any additional dates during your trip, you need to purchase another policy via the Grab app.

• Yes. Cover commences at the time you leave your place of residence in Malaysia to go directly to your departure point.
• Coverage ceases when you arrive at your place of residence in Malaysia, or the date on which the policy is terminated, whichever is the earliest.​​​

No. The policy does not cover any pre-existing medical conditions which the insured person was diagnosed, treated or knew about 12 months prior to the effective date of the Travel Cover.

• Yes. Activities that are accessible to the general public without restriction (other than height or general health or fitness warnings) and which are provided by a recognised local tour operator are covered. Provided that you are acting under the guidance and supervision of qualified guides and/or instructors of the tour operators when carrying out such tourist activities.
• However, the policy does not cover any activities, sports or sporting activities that present a high level of inherent danger (i.e. involves a high level of expertise, exceptional physical exertion, highly specialised gear or stunts) including but not limited to big wave surfing, canoeing down rapids, cliff jumping, horse jumping, ultra-marathons, biathlons, triathlons, skydiving , and stunt riding.

The Chubb Assistance team is ready to assist you. Please call the 24-hour hotline: +603 7628 3703 for immediate support.

You must submit all claims directly to Chubb Claims within 30 days after the occurrence of the loss. Download the claim form at http://www.chubb.com/my and send your claim to A&[email protected]

Got a question?

Contact Chubb Customer Service at +603 2058 3181  (Mondays to Fridays, 9.00am – 5.00pm, excluding public holidays).

Chubb is the world’s largest publicly traded property and casualty insurer. Chubb’s operation in Malaysia (Chubb Insurance Malaysia Berhad) provides a comprehensive range of general insurance solutions for individuals, families and businesses, both large and small through a multitude of distribution channels. With a strong underwriting culture, the company offers responsive service and market leadership built on financial strength. Chubb in Malaysia has a network of 23 branches and more than 2,600 Independent Distribution Partners (Agents).

More information can be found at www.chubb.com/my/ .

Travel Cover is underwritten by Chubb Insurance Malaysia Berhad (“Chubb”), a general insurer licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia. GrabCar Sdn Bhd is the master policyholder under the master policyholder for Travel Cover, distributed by GrabInsure Agency (M) Sdn. Bhd. (“GrabInsure”), a registered agent of Chubb Insurance Malaysia Berhad.

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Enjoy 9% (RM8) Rebate at AEON

• Valid from 15 Jan 2022 – 28 Feb 2022
• Minimum spend: RM88
• Limited to 62,500 redemptions 
• TWO(2) redemptions per user throughout the campaign

1. Campaign period is from 15 January 2022 (12:00am) – 28 February 2022 (11.59pm) . 2. GrabPay users are eligible for a “ RM8 rebate ” in your “My Rewards” when you spend a minimum of RM88 on a single receipt via GrabPay Wallet. 3. The offer of “RM8 rebate” is limited to a total of 62,500 redemptions throughout the campaign period. 4. Offer is valid for TWO (2) in-store redemptions with a cap of ONE(1) redemption per user per day throughout the campaign. Shared across AEON Co, AEON BiG, AEON MaxValu Prime, and AEON Wellness throughout the campaign period.  5. The “RM8 rebate” will be awarded instantly with a minimum transaction of RM88 with GrabPay at all outlets of AEON Co, AEON BiG, AEON MaxValu Prime, AEON Wellness; The rebate can be found under “My Rewards”. Rebate must be redeemed by clicking “use now” under “My Rewards” 30 days from the date of issuance. 6. The campaign will cease once all redemptions have been fully awarded or at the expiration of the campaign period, whichever is earlier. 7. Offer is based on a first come first served and while stocks last basis only. 8. Grab and AEON Group shall not be under any obligation to inform users, on any communication channels once the offer has been fully redeemed. 9. Offer is only available for AEON Co, AEON BiG, AEON MaxValu Prime, and AEON Wellness physical stores purchases at cashier counter only via GrabPay Wallet; offer is not applicable for online or GrabMart purchases. 10. Offer is not exchangeable for cash or replacements. 11. Offer is not valid with any other voucher, discount or promotion. 12. Grab and AEON Group reserve the right to alter, extend or terminate the promotion, or amend the terms and conditions at its sole discretion at any time without prior notice. In case of any disputes directly or indirectly arising from the promotion, the decision of Grab and AEON Group shall be final. 13. These terms and conditions shall be governed by the laws of Malaysia and any dispute arising out of or in connection with promotion shall be referred to the exclusive jurisdiction of courts of Malaysia. 14. This rebate is non-transferable to any party.

Travel Insurance For Malaysia From India

Travel Insurance Malaysia

"Certainly, travel is more than the seeing of sights; it is a change that goes on, deep and permanent, in the ideas of living." - Miriam Beard

Travel is a transformative experience, an opportunity to expand our horizons, and an avenue to create lasting memories. It takes us out of our comfort zones and immerses us in the diverse tapestry of our world.

Talking about the intricacies, there are only a few travel destinations in Asia that beat Malaysia’s rich charm. In the heart of Southeast Asia, Malaysia entices travellers with its lush rainforests, pristine beaches, bustling cities, and a rich blend of traditions.

However, this exciting journey is not without its share of uncertainties and risks. But how do you mitigate these risks?

The easiest way to tackle such travel adversaries is by having travel insurance. It is paramount to ensure that your exploration of Malaysia, a country teeming with cultural diversity and natural wonders, is not marred by unexpected challenges.

To protect your sojourn in Malaysia, Tata AIG offers a range of travel insurance plans tailored to your needs. By choosing Tata AIG's travel insurance plans, you can fully embrace the essence of Malaysia, confident that any unforeseen circumstances will not hinder your journey of self-discovery and exploration.

Also, you can compare travel insurance plans online on our website and pick one that best suits your needs and budget.

Expert's Guide to Malaysia Visa Process

Travel insurance for malaysia from india with tata aig.

Travellers embarking on a journey from India to Malaysia's captivating landscapes and vibrant culture should get a reliable travel insurance plan.

With its diverse range of experiences, from bustling urban centres like Kuala Lumpur to the serene beauty of Langkawi's beaches, Malaysia offers an array of attractions that beckon Indian tourists.

However, amidst the excitement of exploration, many people do not expect the unexpected. There can be adverse events that can disrupt your travel plans.

This is where Tata AIG's travel insurance shines as the ideal choice for travellers from India heading to Malaysia. Tata AIG understands the unique needs of Indian travellers and has tailored its policies to provide comprehensive coverage for various situations.

Tata AIG's travel insurance plans for Malaysia offer a comprehensive range of benefits tailored to cater to the unique needs of travellers from India. One of the most critical aspects of travel insurance is emergency medical coverage.

Tata AIG ensures you receive prompt and high-quality services with 24/7 support. So, in case of any medical emergency during your Malaysian adventure, you will find us standing with you. With Tata AIG’s travel insurance you can easily tackle the unpredictability of travel. Our policy covers trip cancellations or delays due to unforeseen circumstances (mentioned in the policy wording ).

Why Do You Require the Best Travel Insurance for Malaysia from India?

Travel insurance for Malaysia from India is crucial to planning any trip to this diverse and captivating Southeast Asian destination. Several reasons highlight the necessity of having adequate travel insurance when venturing from India to Malaysia.

Firstly, Malaysia, with its diverse landscapes, bustling cities, and pristine natural beauty, offers an array of activities and experiences. However, medical emergencies, flight cancellations, or unforeseen events can unexpectedly disrupt travel plans.

Travel insurance for Malaysia provides a safety net, ensuring you are financially protected in such situations, allowing you to continue your journey or receive necessary medical attention without worrying about hefty expenses.

Secondly, Malaysia's cultural richness and tourist attractions often involve valuable personal belongings, which can be susceptible to loss or theft. Travel insurance includes coverage for lost or stolen belongings, safeguarding your possessions and mitigating the financial impact of such incidents.

Finally, having travel insurance offers peace of mind, enabling you to confidently explore Malaysia, knowing that you are prepared for the unexpected. It is a responsible and prudent choice that ensures your trip is filled with memorable moments rather than unexpected financial burdens.

Benefits Offered by the Tata AIG Travel Insurance Online Malaysia

Is travel insurance mandatory for Malaysia? While it's not a strict requirement, it's a highly advisable precaution. Tata AIG's Malaysia travel insurance policy is strongly recommended due to its comprehensive coverage that caters to a wide range of travel needs.

Let's learn some of the key features of our travel policies:

Luggage Coverage: Should your checked-in luggage encounter issues during transit or face delays at connecting airports en route to Malaysia, Tata AIG's baggage coverage will come to your rescue. This feature ensures reimbursement for the total cost of items within your checked-in luggage, depending on your chosen coverage level.

Medical Coverage: At the core of Tata AIG's travel insurance for Malaysia is financial support during unforeseen medical emergencies. Whether you fall ill or an unexpected event necessitates hospitalisation, our medical coverage offers reimbursement.

Trip Coverage: Our Malaysia travel insurance from India includes provisions for passport loss, travel delays, cancellations, and even hotel cancellations.

Flight Hijack Cover: This provision safeguards you against unexpected flight disruptions, ensuring your journey remains resilient.

Local Journey Assistance: Navigating unfamiliar terrain becomes less daunting with this assistance, providing a lifeline during unforeseen challenges.

Personal Liability Coverage: This protection shields you against unforeseen legal obligations, preserving your financial well-being.

Flight Cancellation Insurance: A shield against the uncertainties of travel, this coverage safeguards your investment when unforeseen circumstances (mentioned in the policy wording) lead to flight cancellations.

Apart from the primary benefits, our travel insurance policy for Malaysia unfolds with a variety of supplementary benefits:

Our international travel insurance plans are affordable, starting from as little as ₹45.50 per day*.

Our insurance buying process is simple and hassle-free without any medical examination.

You can pay travel insurance premiums in Indian National Rupees while securing coverage for your Malaysian journey adds to your peace of mind.

We have travel insurance plans tailored to your needs, ensuring affordability without compromising coverage.

When you buy travel insurance for Malaysia with us, you can relax as it will safeguard your expedition with comprehensive benefits, providing financial security and peace of mind throughout your journey.

Malaysia Visa and Entry Information

Malaysia offers visa exemptions or visa-free entry to citizens of several countries for short visits. The duration of stay allowed without a visa varies depending on your nationality. Travellers from some countries can stay for up to 90 days without a visa.

Tourist Visa: If you are from a country that requires a visa to enter Malaysia, you can apply for a tourist visa. Tourist visas are usually valid for a specific period, and you must leave Malaysia before the visa expires.

eVisa: Malaysia also offers an Electronic Visa (eVisa) and Electronic Travel Registration and Information (eNTRI) for certain nationalities. These are electronically issued visas for short visits.

Multiple-entry eVisa: validity is for 3-12 months

Single-entry eVisa: validity is for 3 months

Required Documents for Malaysia Visa from India

Here are the typical required documents for applying for a Malaysia visa from India:

Visa Application Form: Fill out the visa application form accurately and completely. You can usually download this form from the official website of the Malaysian embassy or consulate.

Passport: Ensure that your passport is valid for at least six months beyond your intended departure date from Malaysia and has at least two blank pages for visa stamps.

Photographs: Provide recent passport-sized photographs as per the specifications mentioned in the visa application guidelines. Typically, these photos should have a white background.

Flight Itinerary: Submit a copy of your round-trip flight itinerary, including details of your entry into and exit from Malaysia.

Hotel Reservation: Show proof of accommodation in Malaysia, such as hotel reservations or an invitation letter if you are staying with family or friends.

Financial Documents: Provide evidence of sufficient funds to cover your stay in Malaysia. This can include bank statements, pay stubs, or a sponsorship letter if someone financially supports your trip.

Covering Letter: Write a cover letter explaining the purpose of your visit, your intended travel dates, and other relevant details.

Travel Insurance: Some visa categories may require a travel insurance policy that covers medical emergencies and repatriation.

No Objection Certificate (NOC): If you are employed, you may need a No Objection Certificate from your employer stating that they have no objections to your travel to Malaysia.

Income Tax Returns: You might be asked to provide copies of your income tax returns for the last few years to establish financial stability.

Visa Fee: Pay the visa fee, which can vary depending on the type and duration of the visa you are applying for. Check the official website for the current fee structure.

Additional Documents: Depending on the type of visa you are applying for (tourist, business, student, etc.), you may need to provide additional documents specific to that category. Check with the Malaysian embassy or consulate for details.

[Note: Visa requirements can change, so it's crucial to check the official website of the High Commission of Malaysia in India or the nearest Malaysian embassy or consulate for the most up-to-date information before applying for a visa.]

COVID-19 Requirements

The following are the recent COVID-19 requirements for travelling to Malaysia:

All travellers are allowed to enter regardless of their COVID-19 vaccination status.

No pre-departure or on-arrival COVID-19 test is required.

Quarantine upon arrival is no longer required.

Travellers are encouraged to download and register for the MySejahtera application. However, it’s not mandatory.

Upon arrival, all travellers may undergo a thermal screening by the airport health authorities.

Travellers who test positive in Malaysia must undergo isolation via a Home Surveillance Order (HSO) for seven (7) days.

Travellers can be released from isolation on the 4th, 5th or 6th day when they are asymptomatic, and the RTK Ag test (professional) is negative.

**Malaysia Visa Application Process from India

Here are the steps on how to apply for a Malaysia visa from India, both online and offline:

Online Process

Go to the Malaysian Immigration Department website.

Click on the "Apply for eVISA" button.

Select the type of visa you are applying for.

Fill out the online application form.

Upload the required documents.

Pay the application fee.

Click on the "Submit" button.

Your visa application will be processed within 1-3 business days. Once your visa is approved, you will receive an email with a PDF attachment containing your visa. You must print out this visa and present it to immigration officials upon arrival in Malaysia.

Offline Process

Visit the Malaysian Visa Application Centre (MVAC) in India.

Fill out the visa application form.

Submit the required documents.

Collect your visa from the MVAC.

The processing time for a Malaysia visa application through the MVAC is typically 5-7 business days.

**Visa Charges for Indian Travellers to Malaysia

eVisa: RM 50 (about ₹936) for a single-entry visa, RM 100 (about ₹1872) for a multiple-entry visa.

Visa on arrival: RM 200 (about ₹3744).

[Note: The visa charges are subject to change, so it is always best to check with the Malaysian Government's visa portal for the latest information.]

Indian Embassy in Malaysia

Currency and foreign exchange.

The official currency of Malaysia is the Malaysian ringgit (MYR or RM). It is divided into 100 sen. The ringgit is pegged to a basket of currencies, which includes the US dollar, the Japanese yen, and the Singapore dollar.

The exchange rate between the Malaysian ringgit (MYR) and the Indian rupee (INR) constantly fluctuates. It is approximately 1 MYR = 17.79 INR. This means that 1 Malaysian ringgit can be exchanged for 17.79 Indian rupees.

You can exchange foreign currency at banks, money changers, and some hotels in Malaysia. The exchange rates these institutions offer may vary, so it is best to shop around before making a transaction.

You can check the recent currency exchange rates here.

[Note: If you plan on travelling to Malaysia, it is important to check the exchange rate before you go.]

Best Time to Visit Malaysia

The best time to visit Malaysia depends on what you want to do and see. February to September is the dry season in Malaysia and the best time to visit if you want to avoid the rain. The weather is also pleasant, with average temperatures ranging from 25 to 32 degrees Celsius. This is the ideal time to visit popular tourist destinations such as Kuala Lumpur, Malacca, and Penang.

October to March is the wet season in Malaysia, but it is not as rainy as you might think. The rain usually falls in the afternoon and evening, and the days are often sunny. This is a good time to visit if you want affordable prices and also want to avoid crowds.

You can also book your trip to Malaysia during April to June. This is the shoulder season in Malaysia, and the weather is still pleasant, but the crowds are not as large.

If you plan to visit Malaysia for the beaches, the best time is from March to October, when the weather is dry and sunny. The east coast of Malaysia, which includes the islands of Tioman and Redang, experiences the wet season from November to February.

If you plan to visit Malaysia for the rainforests, the best time to go is from March to May, when the skies are clear and the air is cool. The rainforests are also home to many different species of animals, so this is a good time to go if you want to see wildlife.

Ultimately, the best time to visit Malaysia is when you can make the most of your trip. Consider your interests and budget when making your decision.

Top Things to Do/Experience in Malaysia

With its rich culture, diverse landscape, and delicious food, Malaysia is a country that has something to offer everyone.

Here are some of the top things to do/experience in Malaysia:

Visit Kuala Lumpur: The capital of Malaysia, Kuala Lumpur is a bustling metropolis with a mix of modern and traditional attractions. Visit the Petronas Twin Towers, the world's tallest twin towers, or explore the Sultan Abdul Samad Building, a beautiful example of Moorish architecture.

Explore Malacca: A historic city with a rich Portuguese and Dutch heritage, Malacca is a UNESCO World Heritage Site. Visit the Cheng Hoon Teng Temple, the oldest Chinese temple in Malaysia, or take a walk through the Jonker Street Night Market.

Go hiking in Taman Negara: The oldest rainforest in the world, Taman Negara is a must-visit for nature lovers. Go hiking through the jungle, camping, or take a boat ride on the Tembeling River.

Relax on the beaches of Langkawi: Langkawi is a group of islands off the coast of Malaysia. The beaches are some of the best in the country, and many activities to enjoy, such as scuba diving, snorkelling, and hiking.

Visit the Cameron Highlands: The Cameron Highlands is a hill station in Malaysia. It is a popular destination for those who want to escape the heat of the city. There are many tea plantations in the Cameron Highlands and opportunities for hiking and camping.

Go shopping in Kuala Lumpur: Kuala Lumpur is a shopper's paradise. There are many malls and markets to explore, selling everything from clothes and souvenirs to electronics and food.

Try the local food:** Malaysia has a diverse cuisine, with influences from China, India, and Southeast Asia. Be sure to try some local dishes, such as nasi lemak, laksa, and char kway teow.

Malaysia Trip: Safety & Precautions

Health: Stay healthy by getting recommended vaccines, carrying essential medications, and drinking bottled water to avoid health issues.

Travel Health Insurance Malaysia: Protect yourself with comprehensive travel insurance covering medical emergencies and unexpected situations for financial security.

Be aware of your surroundings: Petty theft is the most common crime in Malaysia, so it is important to be aware of your surroundings at all times. Do not carry valuables with you, and be careful when using ATMs and public transportation.

Do not flash your valuables: Your passport, money, and jewellery. Keep them in a safe place, such as a money belt or a safe in your hotel room.

Be careful when taking taxis: There have been reports of taxi drivers overcharging tourists. It is best to use metered taxis or ride-hailing apps.

Avoid walking alone at night: This is especially important in big cities like Kuala Lumpur. If you must walk alone at night, take a taxi or walk with a friend.

Be aware of scams: Many scams target tourists in Malaysia. Be wary of anyone who approaches you and offers you something for free, such as a tour or a massage.

Stay hydrated: The weather in Malaysia can be hot and humid, so it is important to stay hydrated. Drink plenty of water and avoid sugary drinks.

Use insect repellent: Malaria is a risk in some parts of Malaysia, so it is important to use it.

Get vaccinated: A few vaccinations are recommended for travellers to Malaysia, such as hepatitis A and typhoid.

Malaysia – Fast Facts

Other destinations, disclaimer / tnc.

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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Do i need travel insurance for malaysia.

While travel insurance is not compulsory, we highly recommend it for your trip to Malaysia. It offers essential financial protection against unforeseen events, ensuring a worry-free journey.

How much does travel insurance from Tata AIG for Malaysia cost?

The cost of Tata AIG travel insurance for Malaysia varies based on factors like age, trip duration, coverage limits, and the type of policy. It can range from a few hundred to a couple of thousand Indian Rupees.

Can I purchase Tata AIG travel insurance for Malaysia after I have started my trip?

It is very important to purchase travel insurance before your trip begins to ensure full coverage. However, you can still buy travel insurance after the trip has started, but you will get limited coverage, subject to policy terms and conditions.

What should I do if I need medical assistance with Tata AIG travel insurance in Malaysia?

Simply contact our 24/7 assistance hotline (1800-266-7780), and our team will assist you with the claims process, ensuring you receive prompt and reliable support.

How do I make a travel insurance claim with Tata AIG for an incident in Malaysia?

To initiate a claim, please contact our claims department as soon as possible. Provide all necessary documents, such as medical reports, police reports (for theft or loss), and receipts. Our dedicated team will guide you through the straightforward claims process, ensuring a seamless experience.

Disclaimer: All the information mentioned above is well-researched and sourced from reliable sources. Since this information is subject to change, it is advisable to check the latest travel guidelines and other location-specific information before planning a trip to any location. *Subject to change based on the nature and extent of the coverage.

Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to TATA Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. 2008, TATA AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CIN: U85110MH2000PLC128425. IRDA of India Regn. No. 108. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] . Category of Certificate of Registration: General Insurance.

2008, Tata AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CINNumber : U85110MH2000PLC128425. Registered with IRDA of India Regn. No. 108. Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to Tata Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] .

World Nomads Travel Insurance Review 2024

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If you're looking for travel insurance that allows you to confidently participate in a wide range of sports and adventure activities around the world, then World Nomads Travel Insurance might be right for you. The company's policies cover travel to almost anywhere on the globe and are available to residents of nearly every country. 

World Nomads Travel Insurance Review

Among the best international travel insurance companies , World Nomads is particularly good at insuring athletes, covering well over 300 sports, including skydiving, bungee jumping, and golf. World Nomads is also a great last-minute purchase, allowing you to purchase coverage even after your trip has started. However, if you purchase a plan after departure, you will have to wait 72 hours before your plan kicks in.

That said, World Nomads lacks crucial coverage options, such as cancel for any reason coverage and coverage for pre-existing conditions. It also doesn't insure travelers older than 70.

Additionally the service has received middling reviews from customers, averaging 3.4 stars out of five across 2,510 reviews. Customers often complained about their lengthy claims processes and poor customer service.

Some also took issue with the "Nomads" branding, as some travelers with multiple destinations and long-term trips found their trip wasn't covered by Nomads' specific policies. It's worth noting that World Nomads was very responsive to positive and negative reviews on Trustpilot.

World Nomads Plans Available

World Nomads has two basic policies: Standard and Explorer. Each covers essentially the same things, but Explorer has higher amounts that World Nomads is willing to pay out for claims. The company's policies cover more than 150 specific activities. These range from bungee jumping and rock climbing to hang gliding and hot-air ballooning. You can see the full list on the company's website.

Additional Coverage Options (Riders)

One of the most common upgraded features of a travel insurance policy is cancel for any reason (CFAR) , where you really can cancel for reason beyond what's in a standard policy. This is not available on every policy, but it is often a feature that travelers are looking for while shopping for travel insurance before their trip. At this time, World Nomads doesn't offer CFAR coverage.

At the time of this review, World Nomads also offers sports equipment coverage. In February of 2022, it expanded coverage to include more than 150 sports and activities including Pickleball and FootGolf. It currently covers over 300 sports. So, as you can imagine, plans with sports coverage will cover virtually any sport you might play.

World Nomads Travel Insurance Cost

You can obtain a quote from World Nomads on its website by providing details about you and your trip. Be prepared to provide the following information:

• Your destination(s)
• Duration of trip
• Your country of residence
• State of residence (if you're from the US)
• Number of travelers
• Traveler(s) age

Notably, World Nomads does not ask you for the price of the trip, which many travel insurance companies factor into the trip of your policy. As such, World Nomads may be a good option if you're going on a particularly expensive trip. 

We ran a few simulations to offer examples of how much a World Nomads policy might cost. You'll see that costs usually fall between 5% and 7% of the total trip cost, depending on the policy tier you choose.

As of April 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following  World Nomads travel insurance quotes:

• World Nomads Standard: $76.58
• World Nomads Explorer: $123.34

Premiums for World Nomads's plans are well below the average cost of travel insurance .

World Nomads provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

• World Nomads Standard: $85.83
• World Nomads Explorer: $155.06

Once again, premiums for World Nomads plans are between 2.2% and 3.8%, below the average cost for travel insurance.

A couple of 65-years of age looking to escape New York for Mexico for two weeks with a trip cost of $6,000 would have the following World Nomads quotes:

• World Nomads Standard: $152.96
• World Nomads Explorer: $276.34

Premiums for World Nomads plans are between 2.6% and 4.6%, once again below the average cost for travel insurance. This is especially impressive as travel insurance is often more expensive for older travelers.

How to File A Claim with World Nomad Travel Insurance

You can start an insurance claim by filing it on the company's website. 

You can call toll-free in the US and Canada if you need to reach the company in an emergency at: (877) 289-0968.

Callers from outside the US and Canada can reach the company at: (954)-334-8143.

The email address is: [email protected]

You'll need to have the following ready to file a claim:

• Your policy number
• A contact number
• The nature of your problem
• Your location
• Prescribed medication (if any)

Make sure you keep any documents related to the claim you're filing. This includes any receipts, notices, and invoices.

Compare World Nomads Travel Insurance

World Nomads is particularly good at insuring traveling athletes, but let's see how it stacks up against the best travel insurance companies .

World Nomads Travel Insurance vs. Allianz Travel Insurance

Allianz Travel Insurance is a strong competitor against World Nomads, especially for travelers looking for a more business-oriented option. The company has been in business for more than 120 years and offers a wide range of insurance, not just travel-related, around the world.

A key difference between World Nomads and Allianz Travel Insurance is that Allianz Travel Insurance offers travel insurance that can cover multiple trips in the same year. You can take an unlimited number of trips within the same calendar year, but you do have to double-check that all of your destinations are covered by the policy you select. 

Another difference is that Allianz Travel Insurance offers pre-existing condition waivers for qualifying customers. World Nomads doesn't have the same coverage, requiring that the pre-existing condition is fully stable in order for limited coverage with respect to trip cancellations or having to end a trip early. 

Read our Allianz travel insurance review here.

World Nomads Travel Insurance vs. AIG Travel Guard

Travel Guard , a product backed by AIG Travel, is another potential alternative to World Nomads. AIG is a prominent player in the insurance industry, and the Travel Guard product represents true global coverage. 

Unlike World Nomads, Travel Guard has coverage for pre-existing medical conditions, but there are conditions. Travelers must purchase their policy within 15 days of the initial trip payment to qualify for a pre-existing condition waiver. 

Both travel insurance companies use a tiered approach, but Travel Guard has higher dollar amounts across the board. For example, trip cancellation for Travel Guard covers 100% of the trip cost, while with World Nomads the amount will depends on the tier of the coverage you purchase. Trip Interruption is also a fully covered event with Travel Guard's. Depending on the plan selected, it will either cover 100% or 150% of the trip cost. 

If you're concerned about COVID-19 coverage with trip insurance, there's more coverage with World Nomads than Travel Guard. With Travel Guard, coverage for having to stay in a country past your original booking dates is an add-on, not a standard part of the policy. 

Read our AIG Travel Insurance review here.

Compare World Nomad vs. Credit Card Travel Insurance

If you already have a major credit card in your wallet, you most likely have some travel insurance benefits that come with it. These benefits do vary from card to card. Be sure to check your card's specific policies.

Not all credit cards will feature travel insurance protection. The ones that do may have specific limitations. For example, many credit cards with travel protection require that your airfare is paid for with the card in question for protections to take effect. 

Reimbursement isn't guaranteed. The credit cards do require that you file your claim and wait for a decision. World Nomads makes it easy to file a claim online and submit receipts and documentation. The response is fairly quick based on reviews from travelers that have actually had to file claims. 

The more premium the credit card, the more likely expanded travel protections are part of its features. If you don't already have a premium credit card, it's better to get travel insurance. This is also the case if you have multiple trips planned. Some credit cards limit not just the total dollar amount, but the number of claims within a 12-month period.

Read our guide on the best credit cards with travel insurance here.

World Nomads Travel Insurance FAQs

Can i extend my world nomads policy while already traveling.

Yes, you can extend your World Nomads plan while traveling, but you cannot upgrade a standard plan to the Explorer plan. 

Does World Nomads cover COVID-19 related incidents?

World Nomads covers COVID-19 like any other illness under its emergency medical coverage.

How does the claim process work with World Nomads?

You can file a claim on World Nomads's website, over the phone, or by mail. Make sure to provide as much documentation as possible to ease the claims process. 

What adventure activities are covered by World Nomads?

World Nomads currently covers 326 sports and adventure activities, from ziplining to zorbing.

Can I purchase World Nomads insurance if I'm already traveling?

Yes, you can purchase World Nomads insurance for a trip that has already started. However, a policy purchased during your trip will have a 72-hour waiting period before insurance starts.

How We Reviewed World Nomads Travel Insurance

To prepare this review on World Nomads, we started by detailing the company's travel insurance offerings. Then we looked at the best travel insurance plans and compared them to World Nomads. We looked at things like typical policy costs, coverage options, available add-ons, what's covered, and claim limits.

You can read more about how Business Insider rates insurance products here.

If you enjoyed this story, be sure to follow Business Insider on Microsoft Start.

• Travel Insurance

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When covering investment and personal finance stories, we aim to inform our readers rather than recommend specific financial product or asset classes. While we may highlight certain positives of a financial product or asset class, there is no guarantee that readers will benefit from the product or investment approach and may, in fact, make a loss if they acquire the product or adopt the approach.

To the extent any recommendations or statements of opinion or fact made in a story may constitute financial advice, they constitute general information and not personal financial advice in any form. As such, any recommendations or statements do not take into account the financial circumstances, investment objectives, tax implications, or any specific requirements of readers.

Readers of our stories should not act on any recommendation without first taking appropriate steps to verify the information in the stories consulting their independent financial adviser in order to ascertain whether the recommendation (if any) is appropriate, having regard to their investment objectives, financial situation and particular needs. Providing access to our stories should not be construed as investment advice or a solicitation to buy or sell any security or product, or to engage in or refrain from engaging in any transaction by Forbes Advisor Australia. In comparing various financial products and services, we are unable to compare every provider in the market so our rankings do not constitute a comprehensive review of a particular sector. While we do go to great lengths to ensure our ranking criteria matches the concerns of consumers, we cannot guarantee that every relevant feature of a financial product will be reviewed. We make every effort to provide accurate and up-to-date information. However, Forbes Advisor Australia cannot guarantee the accuracy, completeness or timeliness of this website. Forbes Advisor Australia accepts no responsibility to update any person regarding any inaccuracy, omission or change in information in our stories or any other information made available to a person, nor any obligation to furnish the person with any further information.

Travel Insurance For Vietnam: Everything You Need To Know

Updated: Apr 26, 2024, 11:14am

Table of Contents

Do australians need travel insurance for vietnam, what does travel insurance for vietnam cover, frequently asked questions (faqs).

Vietnam is an increasingly popular travel destination for Australians, with the country even hoping to encourage more Aussies to visit by potentially waiving visa requirements in due time.

The Southeast Asian country is set to be high on the list for Aussies going overseas in 2024. The number of Australian tourists in Vietnam now exceeds pre-pandemic levels: more than 317,000 Australians visited Vietnam in 2019 , while there were 390,000 Aussie visitors in 2023.

Plus, as more and more flights become available, such as low-cost carrier Vietjet Air launching a direct service between Hanoi and Melbourne earlier this year, getting to Vietnam is becoming easier for Australians.

If the direct flights, fascinating history, vast scenery and delicious food aren’t enough to convince Australian travellers, the cost may be. Vietnam is considered one of the cheapest travel destinations in the world for Australian tourists due to our strong conversion rate against the Vietnamese Dong and the nation’s low cost of living in comparison to our own.

And while cheap thrills may be what you’re after on your vacation, it’s important not to skimp on the necessities that may cost that little bit extra—such as travel insurance. This guide outlines what you need to know regarding travel insurance in Vietnam.

Featured Partners

Fast Cover Travel Insurance

On Fast Cover’s Secure Website

Medical cover

Unlimited, 24/7 Emergency Assistance

Cancellations

Unlimited, (Trip Disruption $50,000)

Key Features

25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating

Cover-More Travel Insurance

On Cover-more’s secure website

Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Southern Cross Travel Insurance

Medical Cover

Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs

$2,500 with option to increase to unlimited

Investing in travel insurance is a good idea for any overseas trip. Travel insurance policies can help protect you from having to dive deep into your pockets, with many offering unlimited medical treatment while abroad and cancellation cover for your trip should the unexpected occur.

Travel insurance is not just handy for medical purposes or travel changes, either. Your personal items can be covered, should any baggage go missing or an important item be stolen—which, unfortunately, often occurs in Vietnam.

Smarttraveller warns Australians to be alert at all times in Vietnam, considering petty theft–including bag slashing–is common in tourist areas and crowded places, especially during holiday times. Snatch-and-grab theft by thieves on motorcycles is also common, the website states.

Like most international travel insurance policies, you will be able to find basic coverage for your trip to Vietnam, or choose to opt for a more comprehensive, albeit more expensive, policy.

While a basic policy will often cover medical expenses and lost luggage,a comprehensive policy includes a lot more. Most basic policies also likely won’t offer compensation for travel delays, stolen cash, accidental death and more.

Additionally, if you are going on a trip to multiple countries within the year, it may be worth opting for an ‘annual multi trip’ insurance instead—making sure that there are no exclusions to the regions you are wishing to visit.

Visa Requirements For Australians Travelling to Vietnam

You’ll still be allowed to travel to Vietnam if you don’t invest in travel insurance, but you do so at your own risk—and, as stated, it is highly advised to have a travel insurance policy for any overseas trip.

However, what you cannot do is enter Vietnam as an Australian tourist without a tourist visa. While Vietnam will grant Australian citizens visas on arrival, applying for one online is much easier.

A tourist visa costs under $100 AUD; however the exact price depends on your length of stay.

The Vietnamese government may consider waiving visas for Australian citizens, especially since many other SEA countries have done so such as Indonesia and Thailand .

However, at the time of writing, Forbes Advisor Australia has confirmed that Australian citizens must still obtain a visa to visit Vietnam for tourism purposes.

The exact inclusions of your travel insurance will be dependent on your personal policy and the provider.

However, generally speaking, you can expect a travel insurance policy for Vietnam to offer some level of cover for:

• Medical expenses;
• Lost, damaged or stolen luggage;
• Travel cancellations or delays ;
• Personal liability;
• Credit card fraud;
• Covid-19 expenses;

If you are partaking in certain sports and activities, you will need to make sure that you choose a policy that covers them. You’ll also need to make sure that your policy covers any pre-existing medical conditions as well.

Plus, if you are travelling with valuables, you may wish to opt for a policy that lets you increase the protection cover on your items.

Ultimately, you need to consider what your trip consists of, what you will be taking with you, and your physical health to establish what policies would be appropriate for you.

From there, you can compare quotes of different policies and providers to ensure you have the optimal—yet affordable—cover for your trip to Vietnam.

Does Travel Insurance Cover The Ha-Giang Loop?

Considered one of the most scenic motorcycle routes in the world, the Ha-Giang Loop is a popular tourist activity in Vietnam for adventurous travellers. If the Ha-Giang Loop is one of your goals, you’ll need to make sure you have travel insurance that covers motorcycling.

Occasionally a policy may include this as one of their included ‘sports and activities’, but it is more often the case that you will need to purchase an additional ‘adventure pack’ that is either specific to, or includes, motorsports.

Even so, when purchasing an additional pack to cover motorbikes, you need to be cautious of the conditions. For example, some policies will only cover motorcycle riding if the bike you are riding has an engine under a certain size.

Often, coverage will cease and claims won’t be accepted if you haven’t been wearing the correct safety equipment such as boots and a helmet, or have been under the influence of drugs and alcohol.

What Does Travel Insurance Exclude?

Your travel insurance policy may exclude some activities that you wish to partake in, unless you can opt-in to purchase an additional adventure pack as explained above in regards to motorbike riding.

Just like with the inclusions of a policy, the exclusions depend on what type of policy you choose, and what provider you go with.

Commonly, however, you won’t be covered for instances where you:

• Break the law;
• Are under the influence of alcohol or drugs;
• Partake in an excluded activity;
• Receive medical treatment for a pre-existing condition that was not disclosed;
• Travel to a ‘Do Not Travel’ destination as outlined by Smarttraveller.

As always, it is essential to read the product disclosure statement (PDS) of your travel insurance policy carefully to understand what you will and won’t be covered for while overseas.

Do I need a visa to travel to Vietnam?

Yes, as of April 2024, Australian tourists still need a visa to travel to Vietnam. This visa can be obtained on arrival, or purchased online prior to travel. The visa takes approximately three days to process online, and the cost depends on how long you intend to stay in the country.

Does international travel insurance cover Covid-19?

Many comprehensive travel insurance policies now cover Covid-19, including medical conditions related to Covid-19 or trip cancellations due to a Covid-19 diagnosis. However, it is not guaranteed that all policies will. It’s important to check your policy’s PDS carefully to understand what it will and will not cover in regards to Covid-19 for both you and your travelling companions.

Related: Travel Insurance And Covid: Are You Covered?

How much does travel insurance cost for Vietnam?

The cost of your travel insurance for a trip to Vietnam will depend on your age, your health, the activities you wish to partake in, and the length of your stay.

For example, for a 34 year old with no pre-existing medical conditions travelling to Vietnam for two weeks, a policy from some of our top choices for comprehensive travel insurance would cost around $130 (based on quotes from Cover-More , 1Cover , and Fast Cover ).

The prices of these quotes would change depending on a chosen excess, cancellation cover, and any additional coverage options you may choose to purchase such as adventure packs or cruise cover.

Related: How Much Does Travel Insurance Cost?

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Sophie Venz is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously the Associate Editor of SmartCompany, Sophie has worked closely with finance experts and columnists around Australia and internationally.