Best Travel Insurance in Malaysia 🛫🌏

Travel insurance can provide peace of mind when it comes to unexpected circumstances that may arise during your travels. Whether you’re embarking on a trip, purchasing travel insurance can offer financial protection and support in case of emergencies. Let’s explore some of the most common questions about travel insurance.

What is travel insurance?

Travel insurance is a type of insurance that provides protection to travellers against unexpected events that can occur during a trip. These events can include trip cancellations or interruptions, medical emergencies, lost or stolen baggage, and other unforeseen circumstances that can cause financial loss or inconvenience. The purpose of travel insurance is to provide peace of mind and financial protection to travellers while they are away from home.

When should I purchase travel insurance?

It’s best to purchase travel insurance as soon as you make your travel arrangements, especially if you’re booking a trip in advance. This way, you can be covered for unforeseen events that may occur before your trip. However, you can still purchase travel insurance up until the day before your departure, depending on the insurance provider. 

What is travel inconvenience insurance?

Travel inconvenience insurance provides coverage for unexpected inconveniences during your trip, such as lost or stolen luggage, flight delays, and missed connections. This insurance can help you recover the costs of additional expenses, such as hotel accommodations or alternative transportation. Oyen offers coverage for missed connections up to RM1,000 and baggage delays up to RM2,000*.

What is travel cancellation insurance?

Travel cancellation insurance, also known as trip cancellation insurance, provides coverage for trip cancellation or interruption due to unforeseen events, such as illness, injury, or death of a family member. This insurance can help you recover the costs of non-refundable expenses, such as airfare, hotel reservations, and tour packages.

How does travel insurance work for trip cancellation?

If you have travel cancellation insurance and you need to cancel your trip due to a covered event, you can file a claim with your travel insurance provider to recover the costs of your non-refundable expenses. Some policies may also provide coverage for trip interruption or delay.

Does travel insurance cover pickpocketing?

Yes, travel insurance may provide coverage for theft or loss of personal belongings, such as your wallet or passport, due to pickpocketing or other forms of theft. Always make sure you file a police report immediately or within 24 hours after you realised the loss of your items. Remember to also provide documentation to support your claim. 

How does travel insurance claims work?

In case of a covered event, such as a medical emergency or trip cancellation, you need to contact your travel insurance provider as soon as possible. They will guide you through the claims process, which typically involves filling out a claims form, providing documentation, and waiting for the claim to be processed. Once your claim is approved, you will receive the reimbursement according to the terms and conditions of your policy.

This means you have to make sure that your insurance provider has good customer support to help you in times of emergencies. With Oyen’s Travel Insurance plans, you can file a claim online and get a response within 24 hours! 

Can I claim travel insurance for a cancelled flight?

Yes, you can. If your flight is cancelled due to circumstances beyond your control, such as death. Illness, natural disasters or mechanical problems, your travel insurance may cover the costs of your rebooking or cancellation fees. However, if you cancel your flight for personal reasons, such as changing your mind about your trip, your travel insurance may not cover the expenses. 

Oyen’s travel insurance even takes care of your pets if your trip is cancelled/delayed. You can get reimbursed when your pets need to stay in pet hotels longer due to travel delays or trip curtailment when your pet passes away/gets severely ill.

Is there a time limit on travel insurance claims?

Yes, there is. Most travel insurance providers require that you file your claim within a certain time frame after the event occurs, typically within 30 days. However, the exact time limit may vary depending on the provider and the type of claim.

What does travel insurance not cover?

Travel insurance typically does not cover pre-existing medical conditions, injuries or illnesses resulting from reckless or illegal behaviour, and losses due to war or terrorism. If you have a pre-existing medical condition, it’s important to disclose it to your insurance provider before purchasing a plan. Oyen’s Travel Insurance plans cover pre-existing medical conditions if you disclose them during the application process. Nonetheless, it’s important to read your policy carefully and understand what is and isn’t covered before you purchase travel insurance.

How to buy travel insurance online in Malaysia?

To buy travel insurance online in Malaysia, you can visit the website of a travel insurance provider or aggregator and fill out an application form. You will need to provide information about your trip, such as your travel dates, destination, and personal details. Once you submit your application, you will receive a quote and can purchase your policy online. 

It is even easier to purchase travel insurance online through Oyen’s website. Simply choose your destination, trip dates, and coverage amount, and you’ll get a free quote in a short amount of time. You can also compare different plans and benefits to find the best coverage for your needs.

‍Disclaimer: The mentioned policy is subject to limitations, exclusions, and other terms and conditions that are described in the policy document. Coverage is subject to the terms and conditions of the policy, as well as applicable laws and regulations. The insurance provider reserves the right to modify or terminate the policy at any time, without notice. This disclaimer is not intended to limit or exclude any liability that cannot be excluded or limited under applicable law.

*Policy terms and conditions apply

Conclusion

In conclusion, purchasing a good travel insurance plan can protect you from unexpected events during your trip. By carefully reviewing the policy document and considering factors such as the travel destination and itinerary, you can choose a policy that suits your needs and provides peace of mind during your trip. Check out Oyen’s Travel Insurance plans so you can make an informed decision and enjoy your travels with confidence! 

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