Travel Insurance Malaysia

In the beautiful country of Malaysia, Batu Caves is a sight to behold with its many temples and shrines, not to mention the gigantic statue of the Hindu God. Along with the Petronas Twin Towers and other tourist attractions, travelers are sure to enjoy a trip to breathtaking Malaysia. As you plan your incredible itinerary, it is important to remember travel insurance for Malaysia. 

God forbid! If you face any unexpected events, travel insurance coverage can help with travel inconveniences, medical treatment, and other unforeseen events, such as accidental death or natural disasters. Whether emergency medical assistance, trip cancellation for covered reasons, or support during a travel delay, travel insurance may offer valuable protection during your travel period. 

1. What should your Travel insurance cover for a trip to Malaysia? 
2. How Does Travel Insurance for Malaysia Work?
3. Do I need Travel Insurance for Malaysia? 
4. How much does Travel Insurance cost for Malaysia? 
5. Our Suggested AXA Travel Protection Plan
6. What types of medical coverage does AXA Travel Protection plans offer?
7. Are There Any COVID-19 Restrictions for Travelers to Malaysia?
8. Traveling with pre-existing Medical Conditions? 

What Should Your Travel Insurance Cover for a Trip to Malaysia? 

Your travel insurance should cover trip cancellation, trip interruption, and emergency medical expenses. When it comes to international travel, the U.S. Department of State outlines key components that should be included in your Malaysia travel insurance policy. The World Health Organization also emphasizes the importance of having travel medical insurance for international travel.   

AXA Travel Protection plans are built with these essential coverage areas in mind. Whether you're dealing with pre-existing medical conditions, planning a family plan, or preparing for potential travel inconveniences, our plans are designed to offer flexible support tailored to your travel needs. 

• Medical Coverage – Health should always be a priority during your travels. Travel medical insurance may help cover emergency medical expenses, follow-up treatment, and accidental dental expenses during your overseas trip. It also supports access to the nearest hospital when medical care is needed. 

• Trip Cancellation & Interruptions – Unexpected trip cancellation can dampen the mood. AXA Travel Insurance offers coverage against unforeseen events.  

• Emergency Evacuations and Repatriation – In situations where transportation is dire, AXA Travel Insurance offers provisions for emergency evacuation and repatriation.  

• Coverage for Personal Belongings – AXA Travel Insurance offers coverage for your belongings with assistance against lost or delayed baggage. 

• Optional Cancel for Any Reason – For added flexibility, AXA Travel Insurance offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons. This feature is exclusive to AXA Platinum Plan holders.  

In a few seconds, you can get a free quote for travel insurance for Malaysia. 

How Does Travel Insurance for Malaysia Work?

Malaysia has a reputation for being a fairly safe place to visit. However, it is important to learn which areas to avoid and practice safe traveling habits to prevent issues like pickpocketing and theft even in the safest areas.
If a thief steals luggage from the baggage area, travel insurance can help replace your bags and the contents inside them.
Here is how travelers can benefit from an AXA Travel Protection Plan:

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries under the baggage delay insurance.  
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value under the lost or stolen luggage coverage, assisting you in replacing your belongings.  

Medical Benefits: 

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for emergency medical expenses, including hospital stays and doctor's fees.  

• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for emergency evacuation and repatriation to the nearest appropriate medical facility.  

• Non-Emergency Evacuation & Repatriation: In non-medical crises (e.g., political unrest), your policy may cover non-emergency evacuation or repatriation, subject to policy terms.   

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you opt for trip cancellation due to a covered reason, such as sudden illness or injury. 

• COVID-19 Travel Insurance: COVID-19 Travel Insurance coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions.  

• Trip Delay: If your face trip delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations.  

Post-Departure Travel Benefits

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this missed connection coverage may help with expenses like rebooking fees and accommodations. 

Additional Travel Benefits 

• Lost s Skier Days: Exclusive to Platinum plan policy holders policyholders, the lost ski days benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 

• Lost s Golf Days: Exclusive to AXA Platinum Plan policyholders plan policy holders, this optional  the lost golf days optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures.  

Optional Travel Benefits: 

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policyholders policy holders, this optional benefit gives travelers a rental car collision damage waiver extra coverage on their rental car against damage and theft.  

• Cancel for Any Reason: Exclusive to Platinum policyholders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy.  
   

Do I Need Travel Insurance for Malaysia?

While the Malaysian government does not require travelers to have travel insurance to enter Malaysia, but having a travel protection plan in place can be a valuable support tool during your overseas trip, especially in a setting where you may not speak the local language or have easy access to emergency medical resources. 

A travel protection plan can offer support for medical treatment, travel inconveniences, and other unexpected events. Whether you're traveling for leisure travel, business, or to visit family members, having travel insurance coverage can help reduce the burden of paying out of your own pocket during an emergency. 

Here are a few reasons travelers may consider travel insurance: 

1. Trip Cancellation: You may not be able to control circumstances such as bad weather, a personal emergency, or an illness that prevents you from traveling. Travel insurance may reimburse you for 100% of the cost of your trip for eligible expenses.

2. Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance covering baggage and personal effects offers to cover the cost of replacing necessary items, allowing you to continue on. 

3. Trip Interruption: Travel insurance may reimburse you for unexpected expenses due to an unexpected change of plans.

How Much Does a Travel Protection Plan Cost for Malaysia? 

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans: 

• Total Trip cost: The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc. 
• Age: Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals. 

AXA Travel Protection offers four plan tiers: Bronze, Silver, Gold, and Platinum. Each plan offers varying benefits payable, including emergency medical expenses, accidental death, car rental excess charges, and optional add-ons for broader travel insurance coverage. 

When considering how much premium to expect, it's helpful to review the plan’s policy wording and product disclosure sheet to ensure it fits your travel period, needs, and budget. 

Our Suggested AXA Travel Protection Plans

AXA Travel Insurance offers four travel protection plans, Bronze, Silver, Gold, and Platinum, each designed to provide varying levels of travel insurance coverage to meet different travel needs. For those planning overseas travel to Malaysia, where private hospitals may not accept US health insurance or Medicare, these plans can help cover emergency medical expenses, including cashless hospital admission and emergency medical evacuation. 

The Platinum Plan is a strong option for those looking for additional benefits. It includes optional Cancel for Any Reason coverage, which offers flexibility in case of an unexpected travel cancellation. This can be especially useful for travelers with pre-existing medical conditions or concerns about changing plans. 

The Platinum Plan also includes optional Collision Damage Waiver coverage for rental vehicles, helping cover costs related to damage or theft, reducing the need to pay from your own pocket during your travel period. 

For leisure travelers and golf enthusiasts, Malaysia’s country clubs can be a highlight of the trip. If your golf rounds are affected by weather or other unforeseeable events, the Lost Golf Days benefit available with the Platinum Plan may reimburse prepaid green fees. Similarly, additional optional benefits may support those participating in winter sports activities or extended stays under an annual plan. 

Each AXA Travel Protection plan is backed by 24/7 emergency assistance, accessible with just one phone call, and supported by a global insurance provider. Travelers can get travel insurance online for a better experience. Be sure to review the product disclosure sheet and policy wording for full details on what's included and excluded in your chosen travel insurance policy.  

What Types of Medical Coverage Do AXA Travel Protection Plans Offer?

AXA’s travel insurance policies typically include two main types of medical expense cover. 

• Emergency medical expenses
• Emergency evacuation & repatriation

Emergency medical expenses: Can cover illnesses such as dengue fever, tuberculosis, or food poisoning. It may also cover injuries such as a broken appendage, injury due to a fall or other injuries. 
Emergency evacuation and repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness. 

Are There Any COVID-19 Restrictions for Travelers to Malaysia?

As of now, Malaysia has lifted all COVID-19 entry restrictions for international visitors. Travelers to Malaysia are not required to present proof of vaccination, testing, or quarantine documentation. However, the CDC advises maintaining standard health precautions during your overseas travel. 

While there are no current mandates, including COVID-19 benefits in your travel insurance Malaysia plan can help support travelers facing medical expenses or trip cancellation related to illness. Always review your travel insurance policy, product disclosure sheet, and policy wording for details on covered reasons and claim eligibility. 

Traveling With Pre-existing Medical Conditions  

Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.  
Our Gold and Platinum plans offer coverage for pre-existing medical conditions.  The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons.

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plans with a pre-existing medical condition, so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation. 

FAQs

1.Can you get travel insurance after booking a flight?

You can get travel insurance even after your flight is booked.

2.When should I get Travel Insurance to Malaysia?

It is advisable to purchase a travel protection plan for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs).
AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip.
Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14 days of making your initial trip deposit.

3.Do Americans need travel insurance in Malaysia?

No, travel insurance is not currently required to visit Malaysia, although you may find it valuable.

4.What is needed to visit Malaysia from the USA?

If you are visiting Malaysia from the USA, all you need is a passport that is valid for at least six months. The government also requires you to have at least one full page in your passport that is blank.

5.What happens if a tourist gets sick in Malaysia?

If you become sick in Malaysia, travelers with AXA Travel protection can contact the AXA Assistance hotline 855-327-1442. Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.