Travel Insurance for Malaysia

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From stolen jewellery to unexpected flight cancellations, a lot could go wrong on your trip, leaving you stranded and with additional expenses.

To ensure that you are protected for medical emergency or loss of your luggage while you are away, be sure to take up travel insurance for Malaysia before setting on your journey. Travel insurance Malaysia covers several unforeseen events including:

  • loss or damage of luggage, gear, cash or documents
  • emergency medical expenses
  • interruption of any pre-paid travel arrangements including cancelled or delayed flights.

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Should I Consider Travel Insurance for Malaysia

If you are planning a trip to Malaysia, it would be wise to protect yourself should something unexpected wreak havoc on your trip and leave you stranded, which is why you should take up travel insurance for Malaysia.

Though most Australians have incident-free trips to Malaysia, there is always the danger of something going wrong no matter where you are travelling. Travel concerns include:

  • cancellation
  • repatriation
  • emergency evacuation
  • delayed flights
  • unexpected illnesses and accidents
  • lost luggage.

Taking up travel insurance for Malaysia can cover you form unexpected events while on your trip and give you the peace of mind and financial cushion you need in case you run into difficulty while overseas.

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How Safe is it to Travel in Malaysia

A trip to Malaysia is generally safe, as the country is secure and the locals pleasant and welcoming. Malaysians are known for their hospitality and engaging charm, and the country can make for a very thrilling destination due to the beautiful sites and diverse cultures it offers.

  • Health concerns. here may be several health concerns especially for first-time travellers due to various prevalent tropical diseases in the country. Common health issues include:
    • Malaria. Malaria is always a concern for travellers, so you should seek medical advice and preferably get immunised before you travel.
    • Hepatitis. Hepatitis A and B are also quite common, as is dengue fever.
  • Kidnapping. Incidents of kidnapping are also common especially in the coastal regions and Islands of the country, so extra precaution should be taken especially when travelling to the troubled state of Sabah.
  • Street crime. Be cautious of street crime as there may be incidents of bag snatching, scams and pick-pocketing especially in major towns. Staying alert, sticking together as a group and refraining from displaying conspicuous wealth could go a long way in protecting you from falling victim to petty crime while on your travels.

That said, Malaysia is generally safe, and with a bit of caution, your trip should be free of any negative incidents.

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What Does Travel Insurance Malaysia Usually Cover?

Don’t let your dream trip to Malaysia turn into a nightmare because of unfortunate events. Travel insurance for Malaysia helps make your trip smooth and enjoyable by offering the following:

  • Emergency medical assistance. This includes cover for any medical conditions or accidents that you may encounter while travelling. You will be covered for ambulance fees, medical evacuation back to Australia, hospitalisation expenses and funeral arrangements.
  • Additional accommodation and Travel Expenses. Should you be unable to travel to your destination due to a sudden illness or injury while overseas, travel insurance Malaysia will cover you for reasonable additional travel and accommodation expenses. This cover also applies in case a travelling companion or family member dies, is injured or becomes ill while overseas.
  • Loss of luggage. Should your baggage, cash, documents or credit card get lost or stolen, your travel insurance will cover replacement costs to the limit of the policy. You will also be covered if your luggage is delayed, misdirected or delayed by your airline carrier for a period of more than 12 hours.
  • Cancellations. This covers you for cancellation fees should your pre-paid travel arrangements get cancelled or delayed due to factors beyond your control. Meals and accommodation expenses are also covered in case of a flight delay or cancellation, and any alternative transport expenses you incur will also be covered.
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Malaysia Travel Highlights

Malaysia offers a mix of nature, culture and cuisine. Malaysia is a great destination for holidaymakers who enjoy the outdoors. Most tourists visiting the country are usually from neighbouring countries such as Singapore and Indonesia, but more and more Australians are discovering the country in recent years.

    • Cameron Highlands. One of the major tourist attractions in Malaysia is the Cameron Highlands, which is a beautiful hill station renowned for its trails, forests and waterfalls.
    • Taman Negara. Nature lovers can also enjoy the Taman Negara, which is one of the oldest tropical rainforests in East Asia. This national park has the world’s longest canopy walks. Visitors can partake in jungle treks, as well as a view Asian elephants and tigers.
    • Langkawi. Perhaps the most heavily promoted tourist destination in Malaysia is Langkawi, an archipelago of 99 islands situated in the Andaman Sea. The islands are fringed with long, sandy beaches and craggy mountain peaks, which is why it is Malaysia’s best-known holiday spot. Langkawi boasts an interior of jungle covered hills and offers a wide variety of restaurants and resorts for tourists.
    • Mulu Caves. If you are in need of a little adventure, a visit to the Mulu caves in the Gunung Mulu National Park is guaranteed to captivate you. Tourists can get to explore the underground caves which happen to be the largest cave chamber in the world.

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Malaysia Travel Tips

  • Weather. Malaysia is mostly hot and humid, so be sure to pack light clothes and be prepared for rain spells especially if you are travelling between April to May and October to November.
  • Medical. If you find yourself in need of medical care, there are many private clinics in most towns that offer decent medical service. However, Malaysia does not have reciprocal health care arrangements with Australia, so you are better off taking up Malaysian travel insurance with a comprehensive medical cover to make it easier to access decent healthcare should you need it.
  • Etiquette. Etiquette is important in ensuring you have a smooth stay in Malaysia. For instance, remember to remove your shoes if you are invited to a local home or when visiting a place of worship. You should also handle food with your right hand and never point your foot at someone.
  • Touring. In order to get the most out of your Malaysian getaway, book a tour with a well-known sightseeing provider. While this may seem like a ‘touristy’ thing to do, it is one of the best ways to find your way around a new city.

Malaysians are generally very friendly, so do not be surprised if locals strike up a conversation with you on the streets or on a bus: try to enjoy your time, talk to the local people and learn more about their culture since this is after all what travelling is all about.

Who do I contact in an emergency?

If you find yourself in an emergency in Malaysia some of helpful contacts include:

  • You travel insurer. You insurance provider will have an 24/7 helpline for claims and medical emergencies.
  • National emergency hotline. You can reach this service by dialing 999
  • Australian Embassies and Consulates. You can find the contact details of Australian Embassies and Consulates in the Malaysia below.
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Six steps to comparing travel insurance for Malaysia

When selecting the level of travel insurance you will need, ask yourself these five questions:

  • 1. Where in Malaysia are you going? Understand the risks that are present in different parts of Malaysia.
  • 2. How many times will you go to Malaysia this year? Decide on single trip or annual multi-trip cover
  • 3. What activities in Malaysia will you take part in? Make sure you get cover for activities you will taking part in e.g. hiking in Endau Rompin National Park
  • 4. Are you taking valuable items? Consider extra cover for any cameras or electronics you take to Malaysia.
  • 5. Do you have any medical conditions? Make you declare any pre-existing medical conditions and pay for any extra cover necessary
  • 6. Do you prefer paying more upfront or only when you have to clam? Look at both the price of the policy and excess required for claims.

Travel insurance traps you must avoid in Malaysia

Your claims that occur travelling in Malaysia will be rejected in these circumstances

  • Leaving belongings and valuable items unattended. Petty crime prevalent on the streets, much like most of South-East Asia.
  • It results from you being under the influence of drugs or alcohol, except those prescribed by your medical practitioner. Malaysia also has a no-tolerance drug policy.
  • Taking part in adventure activities not covered by your travel insurance policy e.g. sailing of the coast of Langkawi.
  • You visit a region in Malaysia where the Australian Government has issued a travel advisory warning e.g. the border of Thailand.
  • Claims that arise from breaking the law e.g. possessing illicit drugs.
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Travel Insurance Malaysia FAQs

Travel insurance is essential while you are travelling overseas, as it covers you for most unexpected expenses including loss of personal effects, additional accommodation expense, injuries and medical expenses among others. Here are some common FAQs that are commonly asked by most people looking to purchase travel insurance Malaysia:

Am I Covered If I’m Working Overseas?

Most travel insurance policies do not cover you while working overseas, so be sure to confirm that you are automatically covered before taking up a specific insurance policy. Corporate travel insurance policies usually cover you for up to 90 days while on a business trip, but this is usually subject to the specific terms of your policy.

Am I covered for travel medical expenses while in Australia?

No. Travel insurance is designed to cover you for medical expenses while you are overseas only. In Australia, you are already covered under Medicare or by a private health insurer, so there is no need for travel insurance to cater for any of your medical expenses domestically.

What documents will I need while making my travel insurance claim?

This will depend on the type of claim you are making. Insurers will usually advise you on what documents will be needed to process your claim, but the most common documents required include medical reports, receipts of personal belongings, police reports and invoices.

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Apply for Travel Insurance Malaysia

Travelling overseas is usually an expensive endeavour, which is why it is important to protect your travel investment by taking up travel insurance Malaysia. Knowing that you are covered for any unforeseen incidents that could hamper your trip overseas gives you peace of mind and eradicates the risk of getting into disastrous financial problems following an unexpected event while overseas.

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*Price based on quote for basic policy for a 2 day trip for 18 year old traveller. Please note that prices are subject to change. Price last checked as correct on October 2015.

Richard Laycock

Richard is the senior insurance writer at and is on a mission to make insurance easier to understand.

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