COVID-19 Update (For policy purchased on or after 02 December 2021)

If you have previously purchased a travel insurance policy, your policy would not include coverage specific to COVID-19.

Starting 02 December 2021, new AIG travel insurance policies purchased will cover certain situations pertaining to COVID-19, depending on whether you are purchasing a return trip or a one-way trip. Full terms, conditions and exclusions can be found in the Terms and Conditions section.

For return trip purchases only, please note the following highlights of what IS covered:

• Medical Expenses incurred overseas and emergency medical evacuation and repatriation if you are diagnosed with COVID-19 while travelling internationally (up to RM700,000).
• Trip cancellation before departure for non-refundable travel and or accommodation expenses if you or your immediate family members are diagnosed with COVID-19 before your scheduled trip departure date.
• Trip curtailment for non-refundable trip costs and additional travel expenses to return to your country of residence if you or your immediate family members are diagnosed with COVID-19 while travelling internationally.
• Up to RM500/day/person for up to 14 consecutive days if during your overseas trip, you test positive for COVID-19, and as a result are unexpectedly placed into mandatory Quarantine outside your country of residence. We will pay the amount specified above to cover reasonable and necessary accommodation costs, meals or other expenses directly related to Quarantine.

For one-way trip, the ONLY benefit available is Travel Cancellation and Postponement.

• Trip cancellation before departure for non-refundable travel and or accommodation expenses if you or your immediate family members are diagnosed with COVID-19 before your scheduled trip departure date.

The following IS NOT covered under the policy under any circumstance and regardless of whether it is a return or one-way trip:

• Trip cancellation due to disinclination to travel, change of mind, or fear of travel due to COVID-19.
• Trip cancellation due to epidemic/pandemic-related advisories issued by governments, health authorities or WHO, by or for destination country or origin country, advising against non-essential Trip.
• Trip cancellation or Trip curtailment resulting from border closures, Quarantine or other government directives.
• Trip cancellation if an airline, hotel, trip agent or any provider of trip and/or accommodation has offered a voucher or credit for cancellation refund.
• Quarantine that is mandatory for all arriving passengers or a Quarantine mandate that exists for passengers from a particular country / region of origin.

Please read your insurance policy carefully for a full description of the coverage.

Announcement regarding travel to Philippines

As the Taal Volcano began to spew ash and smoke on Sunday, the Philippine Institute of Volcanology and Seismology (PHIVOLCS) raised its status to an Alert Level 4, indicating a hazardous eruption is possible within hours to days. Evacuation orders have been ordered for three towns in Batangas, Luzon. Flights have been disrupted at Manila International Airport.

The event will be considered as a known (and not an unexpected) event after 0000 hours, 13th January 2020.

In summary, no cover will be provided for losses or damages in connection/associated with the event unless the policy was purchased before 2359 hours ,12th January 2020.

Announcement regarding travel to Hong Kong

On Monday, 5 August 2019, news about many planned city-wide strikes in Hong Kong was publicised and the Consulate-General of Malaysia in Hong Kong advised Malaysians residing in, and traveling to Hong Kong to stay away from public demonstration in Hong Kong. On 16 August 2019, the Singapore Ministry of Foreign Affairs has updated the travel advisory for Hong Kong, which indicated that recent protests had affected the airport operation in Hong Kong and Singaporeans are thus advised to defer non-essential travel to Hong Kong.

With the advisory in mind, we would like to inform you that AIG Malaysia Insurance Berhad will deem the event and its associated disruption, which arise from the same political conflict in Hong Kong, as ‘known event’ starting from 5 August 2019 and therefore any claims relating to the event under policies purchased on or after 5 August 2019 are NOT covered.

Please view the Frequently Asked Questions (FAQs) below pertaining to coverage.

Should you require further assistance, please contact our Travel Claims hotline at 1 800 8888 11 during office hours from Mondays to Fridays.

Thank you.

Hong Kong Travel Protest
Frequently Asked Questions (FAQs)

Country affected : Hong Kong

Event :
There was a planned city-wide strike in Hong Kong on 5 August 2019, which has led to disruptions affecting flights to/from Hong Kong. The Consulate-General of Malaysia in Hong Kong advised Malaysians residing in, and traveling to Hong Kong to stay away from public demonstrations in Hong Kong. On 16 August 2019, the Singapore Ministry of Foreign Affairs has updated the travel advisory for Hong Kong, which indicated that recent protests had affected the airport operation in Hong Kong and Singaporeans are thus advised to defer non-essential travel to Hong Kong. Please note that AIG Malaysia will deem the event and its associated disruption, which arise from the same political conflict in Hong Kong, as ‘known event’ starting from 5 August 2019 and therefore any claims relating to the event that arise from policies purchased on or after 5 August 2019 are not covered.

FAQs pertaining to coverage

Question 1:
Can insured file for travel cancellation/ postponement/ curtailment/ disruption/travel delay benefits pertaining to the events listed above?

Answer: This event is now considered as a known event and classified as a Major Travel Event only for customers who have their scheduled common carrier services cancelled/postponed or disrupted.

NO cover will be provided for losses or damages in connection with such ongoing protest activities and associated disruptions unless the policy was purchased before 5 August 2019. For Annual plan policy holders, cover will only be provided if policy was purchased or date of actual booking for the journey was made before 5 August 2019.

For policy purchased before 5 August 2019, each claim will be assessed on its own merits subject to policy terms and conditions.

For Travel Cancellation and Postponement, the coverage would only be triggered if the Singapore government advisory against non-essential travel is still effective within 14 days before original departure date from Malaysia.

Question 2:
Insured requests for a cancellation of policy as he/she decides to cancel the trip to Hong Kong. Are we able to cancel the policy with a refund?

Answer: Yes, we will allow cancellation of policy with full refund of premium, subjected to no claims declaration from insured.

Question 3 :
Can a customer still purchase a travel policy from 5 August 2019 and be covered for trips to Hong Kong?

Answer: The Customer may still purchase the travel policy to Hong Kong from 5 August 2019 but as the situation is now made known by public media, it will be considered as a known event and no claim(s) will be payable for any loss related to the event. This applies to travel policies purchased from 5 August 2019 onwards.

Injury that are non-related to ongoing city-wide strike activities will be reviewed by claims team as per the usual policy terms and conditions.

Important Note
We will assess all claims in accordance with the facts of each case, the Policy Wordings and the coverage as stated in the Certificate of Insurance. Your cover will depend on the type of policy you purchased and your particular circumstances.

If you are an insured by AIG Malaysia Insurance Berhad and you require emergency assistance during the insured trip, please contact the assistance hotline at +603 2772 5600.

If a travel cancellation or disruption loss does occur, please first contact your travel agent or the airline to seek a refund or make alternate travel arrangements. After this, if you still have a loss, you may submit a claim or contact our customer service hotline at 1 800 8888 11.