想要趁着周末或公共假期在国内旅游, 但只能想到槟城极乐寺、 吉隆坡双峰塔、 热浪岛, 又觉得这些地方太主流、 人又多、 而且没新鲜感了吗? 今天,小编就要来向大家介绍一些马来西亚可媲美国外、 鲜为人知的冷门景点吧·!
I like travelling. Especially now that I have adult money, I love exploring the world, and I aim for at least one international trip a year. For me, travel should be stress-free, which is why I never leave home without travel insurance.
Medical and health travel insurance ensures that you’re covered if you fall sick or get injured abroad, with some plans even including coverage for hospitalisation.
Trip cancellation and interruption insurance protects travellers from financial loss if there's a flight delay or cancellation, or they have to cancel plans due to emergencies like illness or natural disasters, covering prepaid expenses such as flights and hotels. Meanwhile, baggage and personal belongings insurance offers compensation for lost, stolen, or delayed luggage, ensuring you’re not left stranded without essentials.
For my previous trips, I tend to pay a little extra for basic insurance coverage when booking flights. For many Malaysians, the most convenient way to get travel insurance is during the flight booking process. Airlines like Malaysia Airlines and AirAsia offer add-on travel insurance options when you're purchasing your tickets online.
These basic coverage plans typically include medical expenses, trip cancellations, flight delays, and lost baggage, just enough protection for short trips.
Nevertheless, while these airline-linked insurance plans are handy, they may not always offer the most comprehensive coverage. If you're going on a longer trip, planning multiple stops, or participating in adventurous activities, it's worth exploring standalone travel insurance providers.
For instance, I purchased a travel insurance plan from MSIG for my recent trip to South Korea. These companies usually offer a wider range of plans tailored to different travel needs—whether you're going for Umrah, taking a cruise, or traveling with your family. What's more, you can compare the policies and prices before actually paying.
When purchasing travel insurance, most providers in Malaysia offer two main types of coverage.
A Single Trip Travel Insurance is the most popular option among Malaysians, especially for those going on a one-off vacation, business trip, or pilgrimage like Umrah. This type of coverage protects you for one continuous journey—from the moment you leave Malaysia until you return home. It typically includes essential benefits such as medical emergency coverage, compensation for flight delays, lost baggage, and trip cancellations.
Getting covered for my South Korea trip via the MSIG online website was incredibly easy. All I had to do was enter my destination, travel dates, and personal information. It’s an ideal choice for occasional travellers who want peace of mind without committing to a year-long policy.
Annual (Multi-Trip) Travel Insurance is a smart choice for frequent travellers who take multiple trips throughout the year. This plan offers unlimited travel coverage within 12 months, with each trip usually capped at 30, 60, or 90 days depending on the provider. It includes all the standard benefits such as medical coverage, compensation for trip delays, lost baggage, and other unexpected disruptions.
There will also be a difference in price depending on the area you're travelling to. For instance, the coverage for countries like Australia, Japan, and Thailand is cheaper than that for countries like Iran, Iraq, and Russia.
Since you don’t need to buy a new policy every time you travel, it can save you the hassle and be more cost-effective in the long run. It’s perfect for business travellers, digital nomads, travel content creators, or families who go on trips during every school holiday. If you’re always planning your next getaway, this plan ensures you’re always covered, no matter where you go.
Here are a few popular travel insurance providers in Malaysia for you to consider.
Etiqa is a well-established insurance provider in Malaysia, offering a range of travel insurance plans. Their policies, such as the TripCare 360 Insurance plan, often include coverage for medical expenses, trip cancellations or interruptions, loss of baggage and personal belongings, and personal accident benefits. Etiqa is known for its comprehensive coverage options and a user-friendly online platform for purchasing and managing policies. They often have various tiers of coverage to suit different budgets and travel styles.
AIG is a global insurance company with a strong presence in Malaysia. Their travel insurance plans are recognized for their extensive international coverage and a wide array of benefits. These typically include emergency medical assistance, evacuation, repatriation, trip delays, lost luggage, and personal liability. AIG often caters to travellers seeking robust protection, especially for international and longer trips. They are also known for their 24/7 travel assistance services.
Allianz Travel is another reputable global player in the travel insurance market with a significant presence in Malaysia. They offer diverse travel insurance plans designed for various types of trips, from short domestic getaways to extensive international adventures. Their coverage usually includes medical emergencies, cancellation or curtailment, baggage issues, and personal accident. Allianz Travel is often praised for its reliable customer service and efficient claims processing.
Great Eastern is a long-standing and reputable insurance company in Malaysia, also offering travel insurance plans. Their travel insurance, like the GREAT Voyager+, typically provide coverage for medical expenses incurred overseas, trip cancellations or postponements, loss of personal belongings, and accidental death or disability. Great Eastern is known for its financial stability and established reputation, offering travellers a sense of security and reliable support. They often have different plan options to cater to various travel needs.
MSIG Insurance is part of a global insurance group and offers a range of travel insurance products in Malaysia. Their policies generally include coverage for medical and hospitalization expenses, trip disruptions, baggage loss or damage, and personal accident benefits, like the aforementioned TravelRight Plus. MSIG is recognized for its comprehensive coverage options and commitment to customer service. They often provide various add-on benefits and levels of coverage to suit different traveller profiles.
It really depends on the individual. But if I am travelling overseas, I would always want to make sure that I am being protected, so I can explore and have fun with peace of mind. What do you think?
All images credited to Cecelia Chang.
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想要趁着周末或公共假期在国内旅游, 但只能想到槟城极乐寺、 吉隆坡双峰塔、 热浪岛, 又觉得这些地方太主流、 人又多、 而且没新鲜感了吗? 今天,小编就要来向大家介绍一些马来西亚可媲美国外、 鲜为人知的冷门景点吧·!
9月16日。。。约吗?
每年的跨年大集会, 除了有歌舞升平的好气象之外, 还会有各种烟花大会, 迎接2020的到来~ 为你推荐这些超吸睛的烟火会, 还不赶快带上你最亲爱的去欣赏这份免费的浪漫情怀?!
日本, 是亚洲一个神奇的旅游胜地。 但凡去过一次, 就会上瘾, 然后就会想要探索那里的春夏秋冬。 日本的冬季, 可以达到零下的温度, 甚至有很多越冷越受欢迎的景点。值得一提的是, 日本的冬季集浪漫、 萧条、 迷人为一身。 你也可以趁着冬季来到北海道滑雪, 或是泡一个美美的温泉! 无以伦比的旅行就此开始。
以前总听别人说新加坡的食物不好吃, 那是因为不会吃吧! ~当然, 要享受到顶级的服务和美食, 钱包就一定不能太省啦! 毕竟马币兑新币汇率真的太高了。 不过, 为了吃真的不能省。 如果接下来想逗女朋友开心, 或是想慰劳一下家人, 就去邻国趴趴走吧!
It needs to be completed within 3 days before arriving in Thailand.
KLIA also moved up the list!
Ready for a trip to China?
哇~中国旅游约起来!
Can't wait for the new pandas!