Let us "Jaga" your travel experiences with AIG Travel Insurance, your trusted travel buddy.
No matter where your next holiday destination is, we’re here to keep you safe during your holiday.
We provide comprehensive travel insurance protection including COVID-19 coverage for you to fully enjoy your trip.
Our most popular features include
* Coverage differs according to product & plan.
24-Hour Emergency Travel Assistance
To contact Travel Guard from anywhere in the world, call:
+60 3 2772 5600
Benefits
COVID-19 Coverage
In the event you are diagnosed with COVID-19, we will provide you COVID-19 coverage including Medical and Emergency Evacuation & Repatriation Expenses up to RM700,000, Travel Cancellation, Travel Curtailment and Quarantine Allowance benefits (applicable to Basic, Standard or Deluxe Plan only).
Medical Expenses (including cashless hospital admission)
If you are hospitalised due to accident or illness (excluding pre-existing conditions), we will cover the hospitalisation expenses incurred up to RM1 million. Our travel assistance team is on call by phone to provide you emergency travel assistance, ensuring you receive appropriate medical care.
Comprehensive coverage
We provide you with coverage for domestic and overseas medical expenses, trip cancellation, travel interruptions and delays, emergency medical expenses, medical evacuation costs and lost, damaged or delayed baggage.
Personal Accident cover
You can get lump sum payout up to RM400,000 if you suffer from an accidental death or permanent disablement during your trip.
Trip cancellation cover
Don’t worry about the costs of transport & accommodation due to your trip cancellation. We’ll reimburse you the non-refundable expenses if your trip is cancelled due to specific events, within a specific time before your departure date.
Natural Disasters
We will pay for travel inconveniences related expenses against natural disasters such as earthquakes, floods and volcano eruptions, occuring at the country of travel
Our own global assistance service
We have a fast and efficient 24-hour Emergency Assistance Team available to assist you in the event of injury following an accident or if you are ill and require hospital attention aboard.
Trip inconvenience
We provide you coverage for travel inconveniences such as travel delays, loss or damage to your personal belongings, fraudulent use of credit card, car rental excess charges and more.
*Coverage differs according to product & plan. Please refer to policy wording for full details of coverage and exclusions.
More About Travel Insurance
Frequently Asked Questions (FAQ)
1. What is Travel Insurance?
Travel Insurance is a comprehensive insurance plan for domestic and overseas travel. The major benefits provided are medical related benefits, personal accidents benefits, travel inconvenience & other travel-related benefits and 24-hours worldwide travel assistance.
Additionally, you can choose to purchase our optional rider benefit which extends your coverage to include your golfing equipments and your participation in special sports such as winter sports activities & scuba diving.
2. How much premium do I have to pay?
The premium varies depending on your choice of plan, destination and duration of cover selected. Premiums are inclusive of Service Tax (ST) of 6% and is applicable for Domestic trips.
3. How do I buy my Travel Insurance?
You can buy your Travel Insurance in any of the following method:
- Buy online on our website; or
- Locate & contact an agent to buy
4. Who is eligible to purchase
- A Malaysian citizen, Malaysian permanent resident, or a holder of a valid work permit or employment pass (of which your place of employment must be in Malaysia during the policy period), dependent pass, student pass or long-term social visit pass not including travelling visa (that is issued by the relevant governmental authority in Malaysia), with full rights to enter into and return to Malaysia regardless of medical status;
- You must be returning to your home (primary residence within Malaysia) at the end of your travel, or be intending to return home on completion of your travel;
- Your travel pre-arrangements must be made and paid for in Malaysia prior to your trip and your trip must commence in Malaysia; and
- You need to be a resident in Malaysia.
Any residents of Cuba, Iran, Syria, North Korea or the Crimea region will not allowed to purchase this policy.
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Question |
Answer |
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Is the digital road tax renewal service applicable for vehicles used in West Malaysia & East Malaysia? |
This service is currently available only for vehicles used in West Malaysia. For vehicles used in East Malaysia, you can still renew your car insurance online (without selecting road tax). |
| What type of charges are involved when I renew digital road tax with AIG Car Insurance online? |
You'll be charged for:
All digital road tax renewal are facilitated by MyEG Services. |
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When will I be able to view the digital road tax on MyJPJ app after I have renewed it here? |
You can view your digital road tax on your MyJPJ App after 48 hours. |
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I've renewed my car insurance with digital road tax renewal online with AIG. I can't view my renewed digital road tax in MyJPJ app. What do I do? |
You can check via the following methods :
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5. What are some of the key terms and conditions that I should be aware of?
Importance of disclosure:
- You must disclose all material facts which will affect the risk profile such as your age and occupation.
- Any fraud, deliberate misrepresentation of material facts or non-disclosure of information in connection with the application for this policy or when making a claim will invalidate the policy and any benefit due will be forfeited and any benefit that has previously been paid must be repaid to us in full.
6. When does my coverage for the overseas trip begin?
- Travel Cancellation Per Trip plan – 24 hours from the purchase of the policy, unless due to an accident in which cover commences from the policy purchase date. Annual plan – 24 hours from the purchase of the policy or after travel is booked whichever occurs later, unless due to an accident in which cover commences from the travel booking date. Cancellation of a scheduled trip due to death, permanent total disablement or hospitalization must occur within 60 days prior to your original scheduled departure and for other covered events, it must occur within 14 days prior to your original scheduled time of departure.
- Travel Delay and Accidental Death & Disablement within 12 hours prior to departure from Malaysia.
- All other benefits upon departure from Malaysia.
7. I am holding a one-way ticket. Can I purchase Travel Insurance?
Yes. For one-way travel, coverage terminates 5 days upon your departure from Malaysia.
8. Can I buy more than one Travel Insurance policy for the same trip?
If you are covered by more than one policy, we will cover you based on the policy which provides the highest benefit level.
9. Are activities such as winter sports & scuba diving covered?
Our Special Sports rider (optional) extends your coverage if you choose to participate in winter sporting activities & scuba diving (up to 30m), with the proper conduct, guidance and supervision by a licensed operator.*
*Does not involve engaging, practicing or participating in a semi-professional or in a professional capacity or where income or remuneration can be earned from in such sports.
10. Is the benefit payable by per incident or per trip?
Sum insured listed in the schedule of benefit is payable based on per incident.
11. Who do I contact for an emergency assistance or if I need to be admitted to a hospital while overseas?
Please call our 24 Hours, 7 Days worldwide travel assistance at +603-2772 5600.
If you are unable to do so during an emergency, seek treatment first, and contact our worldwide travel assistance at +603- 2772 5600 as soon as possible.
12. What is the definition of Immediate Family Members?
It refers to the legal spouse, child, parent and their siblings, parent-in-law, grandparent, grandparent-in-law, grandchild, sibling, sibling-in-law, niece or nephew of the insured.
13. I am travelling to multiple countries, do I need to buy a separate plan for each country? Which region should I select?
If you are traveling to multiple destinations within the same trip, you can be covered under one policy.
14. Can I cancel my policy and get a refund?
No refund of premium is allowed once the policy has been incepted.
15. How do I submit a claim and how long does it take to process a claim?
Please click to view our Claim Checklist and Claim Form.
It takes 30 working days to process a claim, upon receiving complete documentation and provided that there is no further information or investigation required.
16. What should I do if the airlines loses my baggages?
Lodge a report and seek compensation from the airline. You may file in your Claim for the loss not compensated by the airline.
17. Will I be covered for an illness that I am already suffering from or have suffered in the past?
No. We do not cover any pre-existing condition occurring within 1 year prior to the policy effective date.
18. Can I continue my medical treatment in Malaysia for injuries sustained overseas?
Yes. If you suffer from a disability while travelling on an overseas trip and subsequently seek follow-up treatment in Malaysia, we will reimburse the medically necessary expenses incurred within 30 days upon arrival to Malaysia, subject to the medical expenses limit specified in the schedule of benefit (available for Standard and Deluxe plan only).
19. If I fall down overseas but do not seek treatment overseas, can I claim for medical expenses if I seek treatment after returning to Malaysia?
Yes, only if the treatment is sought within 24 hours from the date of arrival in Malaysia. We will reimburse the medically necessary expenses incurred within 30 days upon arrival to Malaysia, subject to the medical expenses limit specified in the schedule of benefit (available for Standard and Deluxe plan only).
20. Are dental expenses or pregnancy-related matters covered?
No, dental expenses and pregnancy-related matters are not covered, unless they are direct consequences of an accident.
21. I need to cut-short my trip because my father is hospitalised in Malaysia. What am I covered for?
You will be covered for additional cost of travel and accommodation up to an amount of RM 1,000 and/or unused and non-refundable expenses which is paid in advance and not recoverable from any relevant parties.
22. Can I file a claim if my baggage is stolen where it is left outside on a bench while I am checking in?
No, we do not cover for loss of baggage left unattended in any public place, as the policy excludes any failure of the insured to take reasonable efforts to safeguard his/her property.
23. Can I claim for travel cancellation if I cancel my trip because of political unrest at my planned destination?
Yes, travel cancellation covers any event below which occurs within 14 days prior to original scheduled departure which:
- leads to widespread violence;
- is not due to reasons for purposes of asserting sovereign rights and/or operating on behalf of a sovereign state; puts your life in danger; and
- following the advice and/or warning of the Malaysian government or the government of the destination country declaring unsafe conditions for travel through or by general mass media.
However, this policy excludes strikes or events due to an act of war, assertion of sovereignty, insurrection, revolution and use of military power.
24. What should I do if I lose money whilst abroad?
Yes. You must make a report to the local police within 24 hours after the incident. Please click to view our Claim Checklist and Claim Form.
25. Will I be covered if my belongings are pick-pocketed while traveling overseas?
Yes. You must make a report to the local police within 24 hours after the incident. Please click to view our Claim Checklist and Claim Form.
26. Does Travel Insurance cover for natural disasters?
Yes. Natural disasters including but not limited to volcanic eruption, flood, earthquake, tsunami, hurricane or wildfire are covered events under our policy.
27. If I transit in Australia (Cluster 3) during my trip to New Zealand (Cluster 2) but I am not stopping over in Australia, what region should I buy?
If you transit in Australia with no stop over, you may purchase a Cluster 2 plan.
If you transit in Australia with a minimum stop over of 1 night because there is no connecting flight, you may purchase a Cluster 3 plan.
28. Can a child purchase an individual policy and what is the premium and benefits?
A child (aged between 30 days and above and up to 18 years) can purchase an individual policy but the policy must be issued under a parent or legal guardian’s name, i.e. on the life of (OTLO) the child’s name.
For example:
“Jack Tan OTLO Tan Mei Mei”.
The payable premium for a child is the same as for an adult.
Under the Family plan, a child is entitled to 25% of the Accidental Death and Permanent Disablement benefit and all other benefits are payable at 100%.
29. Can I purchase Travel Insurance after I depart and still be covered?
No. You must purchase the policy prior to your scheduled departure.
30. Can I extend my policy period after the commencement of my trip?
Coverage shall be extended at our sole discretion for up to 30 days from the expiry of the period of insurance without payment of any additional premium if you are hospitalized and/or quarantined overseas as recommended by a doctor or as a result of any circumstances beyond your control which is deemed reasonable by us prohibiting your return to Malaysia prior to the insurance expiry.
31. What is Golf Insurance Rider and does the cover extend worldwide?
It covers you for any loss or damage to your golfing equipment and hole-in-one expenses.
Cover is worldwide except for United States of America and/or Canada and to countries where such payment would violate any prohibition or regulation or sanction that has been imposed by the Malaysian Government, the American Government and/or the United Nations.
FAQ on Car Rental Excess Chargers benefit
32. What is an Excess?
An excess is an out-of-pocket payment that your insurer will ask you to pay towards any claim that you make. It is the amount you contribute towards the cost of a claim, with the insurer covering the remaining amount.
33. How does it work?
In most countries, when you rent a car from a licensed car rental agency, you are required to purchase an insurance that provides comprehensive cover for the rental car. This comprehensive cover normally includes damage, theft and third party coverage.
There are various types of car rental insurance available. Depending on the type of car rental insurance purchased, there is a limit on how much you will have to pay for losses incurred to the rental car. This limit is termed as an ‘Excess’. You will only bear the excess and the insurance company (for the rental car) will bear the balance of the repair cost.
Example:
You are on holiday in California and accidentally clip the edge of the road, puncturing a tyre and damaging the paintwork. The damage costs USD1,100 to repair. The excess under your insurance policy purchased for the rental car is USD500. You will have to pay to the car rental agency USD500 and the insurer (for the rental car) will pay the remaining USD600.
34. How does Car Rental Excess Charges Benefit kick in?
Subject to policy terms and conditions, this benefit triggers upon which you become legally liable to pay any excess in respect of loss or damage caused by an accident to the rental car during your trip provided that your car rental agreement has comprehensive cover for the rental car.
35. How do I make a claim?
*Subject to policy terms & conditions.
underwritten by AIG Malaysia Insurance Berhad (795492-W)
