Specialising in personal accident insurance for travel protection, Allianz offers a simple yet holistic plan for travellers alike. Stay protected from mishaps that are as minor as baggage or flight delays and damage to personal luggage, to major issues such as accidental death and permanent disablement due to accident. The company also offers coverage for high-risk sports as well as a unique reimbursement scheme when it comes to luggage delay where travellers can be compensated based on the reasonable essential items such as toiletries and clothing.
Kurnia offers a wide variety of versatile travel insurance policies that are ideal for family vacations at an affordable rate. Keep your family members insured with plans like Kurnia Travel Supreme Plan A and Kurnia Travel Supreme Plan B. Stay protected against the common travelling related accidents and emergencies such as accidental death and permanent disablement, flight delays, missed flights, loss of travel deposits, baggage delays and more. This provider also offers coverage for elderly travellers of up to 80 years old.
AXA Affin has been long associated with travel insurance. Known for the AXA Affin SmartTravel insurance plan, the policies are designed to deliver a well-rounded travel protection with areas of coverage such as travel delay, emergency medical expenses, baggage delay, trip cancellation, unlimited emergency medical transportation, car rental excess cover up and more.
Known to have some of the cheaper options in the market, Berjaya Sompo offers policies for travellers on a budget but still want to stay protected. From as low as RM18, the Travel Plus Basic covers only the essentials including accidental death or permanent total disablement, medical expenses, child care benefit, and emergency medical evacuations.
Chubb travel insurance specialises in creating a simple solution to your travel coverage. The prices are on the higher end, but proves to be of value with benefits such as follow-up medical expenses, alternative treatment, child guard, claim for golf hole-in-one, home inconvenience allowance, pet care and more.
Designed specially to suit the needs of all travellers, Tune Protect offers an all-inclusive travel insurance with the Travel Easy plan. It comes equipped with major benefits that covers medical emergencies, loss of personal belongings, travel inconvenience and 24/7 Worldwide Travel Assistance. Some of the newer addition among the 26 benefits includes alternative medicine, mortal remains repatriation, home care benefit, child care benefit and more.
Zurich offers a comprehensive travel plan for business travelers, ensuring all liabilities are covered at home and abroad. The Travel Safe plan is a Shariah-compliant product which provides travel coverage for overseas trip(s).
Travel insurance typically works on a claims and reimbursement basis. Once you have purchased a policy, you are covered by your premium against mishaps that take place during your travel period.
In the event these mishaps take place, you can file for a claim to the insurance provider with the necessary supporting documents, and your covered losses will be reimbursed once the claim has been verified and approved.
Anyone who is travelling domestically and/or internationally, from as young as 30 days old up to 80 years of age depending on the policy and provider.
Travel insurance can be purchased right up until the day before your flight, but the widely suggested option includes purchasing it immediately after you have finalised arrangements and booked your trip.
Insurance providers recommend this since most travellers tend to forget to purchase.
Purchasing early also benefits you with a bigger coverage window, and depending on the plan and provider, you may even qualify for bonus coverage at no additional cost.
The cost of travel insurance varies and depends largely on the number of people insured, coverage amount, duration and destination. There are plenty of policies readily available in the market to suit different traveller needs as well as budget.
Travel insurance policies typically provide coverage for a traveler’s main concerns that may arise before or during the trip such as trip cancellations, medical emergencies, flight delays and loss of personal belongings.
It usually covers financial loss from certain aspects of the following three areas: the person insured, their personal belongings, and their travel experience. The areas of coverage depends on the amount of premium paid as well as the insurance provider. This means travelers can opt for additional coverage that are not usually included in a basic travel insurance policy such as hazardous sports and accidental death or dismemberment.
‘Exclusions’ is a term used by insurance providers to indicate conditions that are not covered by the company.
While it varies from insurer to another, some of the common exclusions listed in most policies include pre-existing conditions, suicide and self-injuries, injuries or sickness due to drugs and/or alcohol, high risk activities, damage to fragile items, devaluation of currency and more.
These exclusions can usually be found in the Product Disclosure Statement of the purchased policy.
The process for filing a travel insurance claim varies from providers. However, the standard procedure includes downloading and completing the claim form; gathering all the receipts of expenses to be reimbursed (where applicable); and sending all the documents back to the travel insurance company via their designated channel.
Most travel insurance policies offer a 24/7 worldwide phone assistance. Should an emergency take place, call your provider immediately. If it is a medical emergency, seek medical attention as soon as possible.
Pre-existing conditions mean a medical condition that has already appeared during a specific period before the travel insurance policy has been purchased. This could range from 90 days to one year, depending on the policy.
The coverage for trip cancellation begins the day after a policy has been purchased. This means, the earlier the date of purchase, the better. Benefits such as medical emergencies are designed to begin the moment you start your trip.
Most travel insurance policies do not offer coverage for certain natural disasters, as it is classified as ‘acts of God’. While the terms vary from providers and policies, there are coverage options for certain mishaps that happen due to natural disasters such as trip cancellation, trip delays, and medical emergencies. Read through the policy plan carefully to identify the areas of coverage.