5 Best Air Miles Credit Cards For Travel Insurance


air miles credit cards for travel insurance

Traveling is one of the life’s events that bring joyful memories and unique experiences for all of us. But that does not mean it is a risk-free activity. More Malaysians are more aware of the importance of travel insurance whenever they travel and wherever they are traveling to. What if you can get it for free, like literally?

Why Is Travel Insurance Important?

A travel insurance comes in handy when you face these issues while traveling:

  • Personal accident
  • Loss of baggage, documents, and expensive personal items
  • Medical expenses (overseas)
  • Travel delay
  • Travel overbooked
  • Missed flights

Some insurance companies may offer more coverage and it really depends what you are looking for. The cost of a travel insurance depends on the location and length of your trip too. For example, a travel insurance for an individual to Bangkok for 4 days can cost between RM20 to RM90, subjective to coverage and provider.

However, you can get a travel insurance up to RM 2 million for free if you have the right credit card and purchase your flight tickets with the same card.

If you are intrigued, check out the 5 best air miles credit cards that offer free travel insurance:

1. AmBank Visa Signature

ambanksignaturevisa Enjoy up to RM1 mil insurance coverage cta-apply-now

With this credit card, you can enjoy up to RM1 mil insurance coverage including death and total and permanent disability when you charge your flight tickets to the same card.

At the same time, you are also entitled to these inconveniences:

  • Lost Luggage (more than 6 hours) – up to RM1,600
  • Delayed Luggage (more than 6 hours) – up to RM800
  • Flight Delay (more than 6 hours) – up to RM800
  • Missed Connection (more than 4 hours) – up to RM800

AmBank Visa Signature is also a great airmiles credit card where you can convert AmBonus Points to Air Miles with 3 world class Frequent Flyer / Travel Reward Programs such as Enrich, Asia Miles, Singapore Airlines KrisFlyer and AirAsia BIG and redeem free flights for your next getaway with over 50 airline partners.

If you have this card, you can enjoy 5X complimentary lounge access throughout the year plus 25% discount on all lounges in Malaysia and 20% discount on all lounges overseas for each accompanying guest.

Minimum Income: RM80,000.00 per annum / RM6,667.00 per month

Annual Fee: Free for life

2. BSN Platinum Visa Credit Card-i

bsnplatinumvisa Earn 2 X Happy Points for every retail purchase cta-apply-now

This credit card offers you and your loved ones FREE travel insurance up to RM1 million when you pay your full travel fare to your BSN Platinum Cards. The travel insurance also covers these inconveniences:

  • Lost Luggage (more than 48 hours) – up to RM2,000
  • Delayed Luggage (more than 6 hours) – up to RM2,000
  • Flight Delay (more than 6 hours) – up to RM600
  • Missed Connection (more than 4 hours) – up to RM600

On top of that, you get to earn 2 X Happy Points for every retail purchase (locally and overseas) and participate in BSN’s reward program to redeem vouchers, gadgets, travel accessories, and more!

Minimum Income: RM60,000.00 per annum / RM5,000.00 per month

Annual Fee: Free for life

 

3. Citibank PremierMiles Visa Card

citipremiermilesvisa Get up to RM300,000 personal accident insurance coverage cta-apply-now

You can get up to RM300,000 personal accident insurance coverage and up to RM50,000 medical insurance coverage when you buy your travel ticket with your Citi PremierMiles Visa card. The travel insurance also covers these inconvenience:

  • Lost Luggage (more than 48 hours) – up to RM12,000
  • Delayed Luggage (more than 6 hours) – up to RM2,000
  • Flight Delay (more than 6 hours) – up to RM2,500
  • Missed Connection (more than 4 hours) – up to RM2,500
  • Home Away Burglary – up to RM15,000 per year
  • Compassionate Visit (when you need someone to take care of you during the trip due to injuries overseas) – up to RM5,000

For full details, please click here!

Another great feature of this credit card is you can enjoy unlimited access to any of the following lounges:

  • Kuala Lumpur International Airport
  • Penang International Airport
  • Kuching International Airport
  • Kota Kinabalu International Airport
  • Singapore Changi Airport
  • Hong Kong International Airport
  • London Heathrow Airport

Note: Each cardmember shall be entitled to a 2-hour complimentary lounge visit. Cardmembers are required to present their Citi PremierMiles Card and a valid boarding pass for verification purposes.

Lastly, you can earn PremierMiles by spending locally and overseas with this card and redeem from your preferred airlines of more than 90 choices such as Malaysia Airlines and Qatar Airlines.

Minimum Income: RM100,000.00 per annum / RM8,333.00 per month

Annual Fee: RM636

4. HSBC Signature Visa

hsbcvisasignature FREE insurance coverage for death and total and permanent disability up to RM750,000 cta-apply-now

Apart from its great rewards program, you can enjoy FREE insurance coverage for death and total and permanent disability up to RM750,000 when you charge your full flight ticket price on an HSBC Signature Visa credit card.

Here is a list of inconveniences you are covered for to protect you during your travel:

  • Lost Luggage (more than 48 hours) – up to RM1,000
  • Delayed Luggage (more than 6 hours) – up to RM250
  • Missed Connection (more than 4 hours) – up to RM250

Back to its rewards program, you can earn up to 8 x reward points when you spend overseas or purchase online in foreign currency. You can also earn up to 5 x reward points when you shop at these selected malls in the country or shop online in Ringgit Malaysia.

You can also easily get 100,000 reward points when you apply for a new card, activate it with a 6-digit PIN, and swipe 3 times with minimum RM50 each.

Minimum Income: RM72,000.00 per annum /RM6,000.00 per month

Annual Fee: RM636

5. Maybank 2 Platinum Card

maybank2platinum features of card in point form cta-apply-now

If you are a Maybank 2 Platinum Card holder, you get to enjoy complimentary insurance coverage up to RM1 mil involving death and total and permanent disability. This applies when you use this card to purchase your flight tickets in full.

You are also entitled to these travel inconveniences:

  • Lost Luggage (more than 48 hours) – up to RM2,500
  • Delayed Luggage (more than 6 hours) – up to RM800
  • Flight Delay (more than 6 hours) – up to RM800
  • Missed Connection (more than 4 hours) – up to RM800

On top of this feature, you can earn 5 x TreatsPoints with your American Express card by spending in Malaysia or overseas and get extra 5% cashback during the weekend.

Minimum Income: RM60,000.00 per annum /RM5,000.00 per month

Annual Fee: Free for life

Now that you know travel insurance can be free, do not forget to share this article with your friends and family so they can enjoy the same perks too!

Compare The Best Air Miles Credit Cards Here!