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Get Paid Back For Online Fraud

Get your money back* when you experience online payments fraud, identity theft and even when you are cyber bullied

*Policy terms and conditions apply

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We have your back

Don't let any cyber events cause you to lose money

Medical Costs

Treatment for illness or injury while traveling overseas, as well as emergencies.

Travel Inconvenience

Get reimbursed for any travel delays or flight cancellations. We even cover for any loss of travel documents.

Luggage & Belongings

Coverage for stolen, lost, or damaged personal items like luggage, laptops, money, accessories, cameras, mobile phones and more.

What's covered

We are here for you when it matters the most

Personal Accident

If you experience sudden illness or injury in-trip, including COVID-19. We can cover prescription drugs.

Up to RM250,000
Medical Emergencies and Other Expenses

If you experience sudden illness or injury in-trip, including COVID-19. We can cover prescription drugs.

Up to RM300,000

Travel Plans
Travel Documents

If you experience sudden illness or injury in-trip. We can cover prescription drugs.

Travel Cancellation

If you experience sudden illness or injury in-trip, including COVID-19. We can cover prescription drugs.

Travel Documents

If you experience sudden illness or injury in-trip, including COVID-19. We can cover prescription drugs.

Cyber Events Coverage
Electronic Fund Transfer Fraud

Reimburse you for your financial loss from a cyber event

Covid-19 Benefits

Coverage for COVID-19 medical expenses overseas, including follow-up treatment in Malaysia.

Up to RM100,000
Online Retail Fraud

If you're scammed for an online purchase and don't receive the purchase - we will pay you back for the loss

Identity Theft

Reimburse you for identity theft expenses

Cyber Bullying

Covers cyber bullying expenses targeted directly towards you

e-Commerce Purchase Protection

Reimburse you for online purchases that are damaged, stolen or never arrived

Get a free quote

*Policy terms and conditions apply

For full information of policy coverage and exclusions, download our Product Disclosure Sheet and Policy Wording

What's not included?

We value transparency and are upfront about what's not covered in your plan
Mass Cyber-Attack
Dishonest Acts
Bodily Injury
Infrastructure Failure
Business Activities
Lost or Stolen Plastic Cards
Confidence Scams
Prior Matters
Digital, virtual and cryptocurrencies
Voluntary Disclosure


Still not sure how it works? Read through our frequently asked questions!

Who is eligible to apply?

All Malaysians, Permanent Residents, Non Residents, Work Permit/Employment Pass Holders or otherwise legally employed persons in Malaysia are eligible to apply.

I suffer from medical and physical conditions. Can I claim for medical/hospital and other related expenses if I require treatment while on my trip?

No, the policy excludes pre-existing conditions, i.e., any illness or injury that the Insured had contracted, was diagnosed or treated for during the 12 months prior to the journey and whether or not treatment, medication or advice was sought or received prior to the commencement of the journey.

Can I seek reimbursement for non-refundable expenses that I had paid if I have to cancel my trip due to a serious illness?

A claim under Section 7 will be payable if your trip is cancelled due to serious injury or illness which requires hospitalisation or compulsory quarantine, and if you are unfit to travel as certified by a Medical Practitioner. For this section to be payable, the insurance must be purchased no later than 7 days before the commencement date of your journey.

How do I cancel my policy and get a refund of the premiums paid?

You may cancel this policy before the commencement of your journey by giving us seven days’ written notice. Please email us at to ask for a refund of the premium paid for this policy.

How do I submit a claim for my travel insurance?

Drop us an email at and we will send you the checklist and link to submit any documents for you.

What happens when I need an emergency help when I’m travelling?

Please call our worldwide assist 24/7 number at +603-2166 3080. You may get assistance for Medical Assistance in an emergency or if an evacuation or repatriation is required. Additionally, you can get travel assistance pertaining to lost luggage, passports, money and credit cards.

Does Oyen Travel Insurance cover my pet's vet medical bill if he/she travels with me?

No, our travel insurance product excludes vet medical claims for your pet as this is not a Pet Travel Insurance but a human Travel Insurance product with pet add-on benefits.

Be Online with Confidence

Browse, shop and be present online without any worries

Protection on e-Commerce Purchases
Covers cyberbullying expenses
Reimburse you for online fraud

*Policy terms and conditions apply

Get Quote