Is going to a foreign country without travel insurance coverage in Malaysia asking for trouble?

Some people tend to think that travel insurance coverage is not important because the premium for it is very small. The premium usually starts from as low as RM35 for a short trip of a few days and this gives a perception that the coverage is very low and chances of claiming is very slim. A typical travel insurance coverage will include RM200,000 as the sum that will be paid out if there is a death or permanent disability, medical cover of RM300,000 and emergency evacuation of RM1,000,000. Those are the usual biggies and there also other coverage which are unique to travel insurance such as travel curtailment, flight delays and personal liability.

Travel curtailment happens when a person need to cut short the trip due to sickness, the cost paid for the entire trip will be lost. A travel insurance coverage may cover up to RM20,000 for the lost of such expenses. This is very helpful especially when one only managed to go for the trip after saving money for over a long time. The compensation will help in getting a second to go for the dream trip again.

A frequent travel would know that flight delays happens very often. Sometimes it could be due to natural disaster or bad weather. The Mt Mayon eruption that happened in 2013 had caused many to be stranded at many of the Philippines airports. They have to put up a few nights and get the daily necessities while waiting for the situation to improve. The cost involved were out of expectation and to many out of budget. We are not talking about a delay of 6 hours. Some places the cost of putting up a night can surely put a hole in the pocket. Thanks to our relatively weak currency. A typical coverage for flight delay is RM300 per 6 hours of delay. Good enough to rent a place to freshen up or to put up for the night.

Many people asked me what is personal liability coverage. Personal liability coverage in simple words is if you damaged or injured someone else, you are liable to pay for compensation. This someone else includes everybody other than your immediate family members and employees. Say one day, you took a bicycle to ride around in Holland. You accidentally know into a car and made a huge dent. The police came and it was concluded that it was your negligence and you had to pay for the damages. The travel insurance coverage for personal liability of up to RM1,000,000 helps to cover you the amount paid.

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It is first time in my life I had travel insurance. It worth to have it. That trip I didn't have any trouble in the foreign country even my luggage was delay to arrive. I advice everybody to have it.

Ali Engin

Very helpful and keep updated on the travel insurance conditions. Age is not an issue, if you continue of renewing every year. I am senior citizen but no big issue, still renewing. 

Nedim Alibi

I am frequent traveler due to my office commitments. I got this annual travel insurance and never wonder. Hassle free. I encourage everyone to have for this insurance done.

Abdul Aziz

Well done. I had this insurance policy and found out that this is necessary for all travelers. Encourage everyone whose travel around the world as frequent flyer. 

Lai May Leng

At the beginning I didn't expect that quality service from this company. They treat me like a queen. I would  like to give rating 5 stars for this company due to their friendly approach.


Very detailed quotation from the company, so you know what to expect from the circumstances.  No more complaints. Will renew every year for my travel arrangements.


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