Best Travel Insurance For Malaysia 2023

Malaysia is known for its vibrant cultural festivals. If you're visiting during the right time, don't miss celebrations like Chinese New Year, Hari Raya Aidilfitri (Eid), or the Thaipusam festival.

Malaysia boasts beautiful islands like Perhentian Islands, Redang Island, and Tioman Island. Enjoy crystal-clear waters, white sandy beaches, and excellent snorkeling and diving opportunities.

Penang, known as the “Pearl of the Orient” in Asia, offers a mix of historical and cultural attractions, beautiful beaches, and delicious street food. Explore George Town's UNESCO-listed heritage area, try Penang's famous dishes like Char Kway Teow and Laksa, and relax on Batu Ferringhi Beach.

A popular destination for beach lovers and nature enthusiasts where you can explore pristine beaches, take a cable car ride to Langkawi Sky Bridge, and visit Langkawi Wildlife Park.

For scuba diving enthusiasts, Sipadan Island off the coast of Sabah is a world-renowned dive destination. Explore diverse marine life, including turtles, barracudas, and reef sharks.

Visit the capital city and see iconic landmarks like the Petronas Twin Towers, Batu Caves, Merdeka Square, and the Kuala Lumpur Tower. The city is also known for its vibrant street food scene and bustling markets where you can immerse in the city's local culture.

Malaysian food is a delicious blend of Malay, Chinese, Indian, and indigenous influences. Try dishes like Nasi Lemak, Roti Canai, Satay, and Hainanese Chicken Rice from street stalls and local eateries.

Explore the historic city of Malacca, which is a UNESCO World Heritage site with colonial-era architecture, museums, and the scenic Malacca River.

Take a river cruise along the Kinabatangan River in Borneo to spot proboscis monkeys, pygmy elephants, and a variety of bird species in their natural habitat.

Malaysia is home to lush rainforests like Taman Negara where you can go jungle trekking, spot wildlife, and even visit Orangutan rehabilitation centres.

Although pricing is important when considering a travel insurance plan, it’s also important to compare the benefits and reimbursement limits for claims like COVID-19 related medical expenses, trip cancellations, flight delays and baggage theft and/or damage.

Being diagnosed with an unexpected severe illness or injury is the last thing you would want or expect, especially when you have a pre-existing condition which may be worsened by the effects of the severe illness or injury. Fortunately, there are a few travel insurers who provide coverage for claims relating to your pre-existing medical conditions such as pregnancy, injuries or illnesses sustained during the trip.

Also, a travel insurance plan that comes with or without COVID-19 coverage gives you in-patient hospitalisation expenses overseas coverage is great as it allows you to claim for medical, surgical, nursing or hospital charges, emergency medical evacuation and repatriation coverage.

The cost of your travel insurance often depends on your destination and length of stay. Most travel insurance companies have 2 to 3 tiers of plans at different price points, with varying comprehensiveness and reimbursement limits. Some travel insurers will also split the nearby regions into ASEAN and Asia and charge you higher premiums for certain regions, while other insurers offer the same premiums for certain regions.

Malaysia has many great spots for adventures including water sports and extreme sports, but the breadth of coverage needed largely depends on your itinerary. For instance, if you’re planning to go scuba diving in Johor Bahru, make sure you get a policy that covers diving sports like MSIG’s TravelEasy® Standard, Elite and Premier plans.

Malaysia welcomes tourists all year round, but just like any popular travel destination, snatch thefts and other crimes are not uncommon. Given that Malaysia is prone to floods, coverage of damage or loss of belongings as well as trip cancellation or postponement and flight delay due to natural disasters are also important.