5 Steps for Picking Your Travel Insurance

Fatin Haris

Fatin Haris

Last updated 09 October, 2023

Are you preparing for your upcoming vacation, eager to experience a refreshing change of scenery? Before you embark on your journey, it's essential to have a well-thought-out travel insurance plan in place. While selecting the ideal travel insurance might initially seem daunting, the process can be as simple as booking your flight ticket. In this comprehensive guide, we'll take you through steps to help you select the travel insurance that best suits your needs, all while ensuring you make the most of your investment and avoid unnecessary expenses.

Assess Your Existing Insurance Coverage

Before rushing into purchasing travel insurance, it's wise to conduct a thorough review of your current insurance policies. This includes:

  • Check medical, home, and auto insurance
  • Understand coverage extent
  • Reach out to insurance providers for details
  • Inquire about policy tiers and options

This knowledge empowers you to make an informed decision when it comes to selecting travel insurance.

Surprisingly, you may already have travel insurance through your credit card. Certain credit cards offer complimentary travel insurance when you use them to book flights or accommodations online. This means you can secure travel insurance without additional costs. However, it's important to note that coverage can vary depending on your credit card type, so be sure to read the terms and conditions or consult your bank for clarification.

Related: 5 Best Travel Credit Cards in Malaysia 2023

Research Your Destination and Its Current Situation

Keep in mind that insurance companies offer different plans based on your travel destination—whether it's domestic or international. These plans can range from medical-only coverage to comprehensive policies that safeguard you against theft, baggage loss, and trip cancellations.

Examples of domestic and international travel insurance policies:




Allianz Travel Care 

  • Coverage limited to within Malaysia & Asia.
  • Basic coverage for medical expenses, trip cancellation, and lost luggage
  • 24/7 Domestic Travel Assistance.
  • Comprehensive coverage including protection for medical emergencies, trip interruptions, and lost luggage.

Generali Smart Traveller

  • Basic coverage including 24/7 travel assistance and concierge services.
  • Flexible plans with various coverage levels to choose from.
  • 24/7 travel assistance and concierge services.

Z-Travel Takaful 

  • Flexible plans tailored for domestic travel needs.
  • Protection against trip cancellations or interruptions.
  • Comprehensive coverage includes protection for certain sports activities such as scuba diving, winter sports, bungee jumping & more.

When traveling to high-risk countries or regions with elevated crime rates, it's essential to consider opting for comprehensive travel insurance to ensure you have broader coverage.

It's worth noting that some insurers may not provide coverage for individuals traveling to high-risk destinations. Even if they do, the premiums might be higher compared to other locations. Always conduct thorough research regarding the safety and health situation at your destination, and choose your insurance accordingly.

Compare various travel insurance on CompareHero

When selecting your travel insurance, make sure to compare various providers and policies on CompareHero. Remember the age-old saying, "You get what you pay for"?  Cheaper insurance policies may appear enticing, but they could come with hidden loopholes and coverage exclusions buried deep within the fine print. Some budget policies may offer lower coverage amounts or limited category coverage. Therefore, it's crucial to take the time to fully understand the terms and conditions of an insurance policy before making a decision.

Consider Your Travel Itinerary

If you're an adventure enthusiast planning activities like cage diving, bungee jumping, or hiking during your trip, it's imperative to ensure that your insurance policy covers these extreme sports and activities. Carefully examine the policy documents to confirm coverage details, as they may vary depending on the type of activities involved. Don't hesitate to contact your insurer for clarification if you're unsure about coverage for extreme sports or activities.

Read More: Travel Insurance for Different Types of Travelers: Your Ultimate Guide


Differentiating Travel Insurance from Expat Insurance

For travelers embarking on short vacations lasting less than a year, travel insurance is generally sufficient. Conversely, expat insurance is designed for individuals traveling overseas for extended periods, typically exceeding 12 months.

The table below highlights the primary differences between Travel Insurance and Expat Insurance: 


Travel Insurance

Expat Insurance

Coverage Duration

Short-term (typically days to months)

Long-term (years or semi-permanent)

Key Benefits

  • Medical emergencies during travel
  • Trip cancellations
  • Lost baggage
  • Travel-related issues
  • Health insurance for expatriates
  • Life insurance
  • Disability insurance
  • Personal liability coverage

Policy Duration


Continuous coverage


  • AXA
  • Aetna International
  • Cigna Global

While we can't foresee the future, we can certainly prepare for the unexpected during our travels. Whether you encounter flight delays, lost baggage, or medical emergencies, investing in travel insurance is a prudent choice. The cost of coverage may vary depending on your policy, but the peace of mind it provides is truly invaluable. So, if you're planning a trip, don't hesitate—be wise and secure the right travel insurance for a worry-free adventure.



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