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Let us "Jaga" your travel experiences with AIG Travel Insurance, your trusted travel buddy.
We let you enjoy your trip with a peace of mind by giving you comprehensive travel insurance coverage. You don’t have to worry about medical expenses incurred as a result of an accident or illness, trip cancellations, flight delays, lost baggage because all this and more are covered by us.
24Hours, 7 Days Worldwide Travel Assistance
reimbursement up to RM1 million (including cashless hospital admission)
lump sum payment up to RM300,000
up to RM25,000
* Coverage differs according to product & plan.
Safeguard yourself with AIG Travel Insurance to enjoy hassle-free medical care and cashless hospital admission if ever an unforeseen circumstance presents itself. We’ll also bring you back home if an emergency medical condition occurs.
Inspired by a true story, watch to find out how AIG Travel helped this Malaysian man with a fractured hip get back home safely.
We provide you with coverage for overseas medical expenses, trip cancellation, travel interruptions and delays, emergency medical expenses, medical evacuation costs and lost, damaged or delayed baggage.
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.
We provide you coverage for travel inconveniences such as travel delays, loss or damage to your personal belongings, including your checked-in baggage.
You can get up to RM1 million for overseas medical expenses and up to RM300,000 for personal accidents, depending on the product and plan you purchase. Our travel assistance team is on call by phone to provide you emergency travel assistance, ensuring you receive appropriate medical care.
We will pay for travel inconveniences related expenses against natural disasters such as earthquakes, floods and volcano eruptions, occuring at the country of travel.
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 abroad.
* Coverage differs according to product & plan.
Eat all the yummy food you want.
We'll Jaga you if you fall sick.
Bring your gadgets along with you.
We'll Jaga you if it gets stolen.
Try all the outdoor activities you want.
We'll Jaga you if you get into accidents.
An insured fell while travelling in the United Kingdom and sustained a hip injury. Due to the severity of the injury, the insured underwent a surgery and was discharged two weeks after.
Escorted by an AIG medical nurse, the insured safely returned home to Malaysia. The total cost of medical treatment and repatriation amounted to approximately RM80,000 was fully covered under the insured’s travel policy with us.
* This case is based on a real AIG claim. Name and personal details of the insured have been withheld for privacy purposes.
An insured was golfing in Laos and was accidentally knocked over by a buggy. The insured sustained multiple rib fractures with chest contusion and abrasion wounds. Due to the severity of the injuries, the insured was admitted to a hospital in Thailand and was monitored conservatively.
Upon discharge, the insured was repatriated home to Malaysia escorted by an AIG nurse and with special flight arrangements, which included additional oxygen supplies on flight, as well as ground ambulance and wheelchair arrangements. The insured was directly admitted to a medical facility upon touchdown for further medical care.
The medical and repatriation expenses of almost RM40,000 were fully covered under the insured’s travel policy with us.
* This case is based on a real AIG claim. Name and personal details of the insured have been withheld for privacy purposes.
We'll ask you the below information to get a quote & buy online :
Your trip destination and period
How many people to cover
The level of cover you need
- View a selection of plans along with sum insured and premium
To contact Travel Guard from anywhere in the world, call:
Note : Reverse charges calls can be made from some countries.
> Flight re-bookings
> Hotel re-bookings
> Rental vehicle booking
> Emergency return travel arrangements
> Lost baggage search and stolen luggage replacement assistance
> Lost passport/travel documents assistance
> Translation service
> Emergency medical evacuation transportation assistance
> Physician/hospital/dental/vision referrals
> Direct billing to medical providers
> In-patient and out-patient medical case management
> Repatriation of mortal remains
AIG Malaysia Travel Insurance Update – Novel Coronavirus Outbreak
As of 29 January 2020, AIG Travel maintains an Advisory status of Prepare for Hubei province, China, due to the spread of travel restrictions amid an ongoing Novel Coronavirus outbreak. There are at least 7,800 confirmed cases of the virus worldwide. Of the 7,800 confirmed cases, there have been 170 associated deaths reported. Approximately 60 million people in Hubei province remain subject to travel restrictions, which are particularly severe in Wuhan city – the source of the outbreak. Those found to have symptoms of the virus –including cough, fever and respiratory difficulties – continue to be subject to involuntary quarantines.
While the vast majority of confirmed infections continue to be concentrated in Wuhan, instances of the disease have been confirmed in Australia, Cambodia, Canada, France, Germany, Hong Kong, Japan, Macau, Malaysia, Nepal, Singapore, South Korea, Sri Lanka, Taiwan, Thailand, Vietnam and the US. Additional suspected cases have been reported in several other countries.
Effective 23 January 2020, the Ministry of Foreign Affairs Malaysia has advised to defer all non-essential travel to Hubei Province and other areas that could be affected by the coronavirus.
Effective 27 January 2020, the Ministry of Health Singapore has advised to defer all non-essential travel to Mainland China.
What does this mean for your travel insurance cover?
Travellers are advised to check their policy wording for eligibility, cover entitlement and the type of expenses that can be claimed as these can vary depending on which policy you have purchased.
Please note - cover may be restricted or excluded if (i) at the time of taking out the policy you were aware of or could be expected to be aware of an event which may give rise to a claim under the policy; or (ii) you do not take precautions to avoid a claim after a warning about the event has become publically known or (iii) any circumstances that already existed or are known to the public before you book your travel.
Given the Novel Coronavirus outbreak has been widely reported in the media, and alerts have been issued by the World Health Organisation, AIG Malaysia is classing this event as known and foreseen effective 23 January 2020.
No cover may be provided for losses or damages in connection with the Novel Coronavirus outbreak unless your policy was issued and/or travel arrangements were confirmed prior to 23 January 2020.
Travellers who purchased or confirmed travel insurance cover on or after 23 January 2020 may not be covered as the Novel Coronavirus outbreak would not be considered ‘unforeseeable’.
As always, each claim will be considered on its merits taking into account the individual circumstances of the claim and the terms and conditions of the policy.
We would recommend that you visit the Ministry of Foreign Affairs Malaysia and/or Singapore website for updated information on advisories and travel restrictions.
i. We are monitoring the present situation and will provide further update(s), should the position change.
ii. This position statement only remains applicable as long as the present circumstances prevail.
Tips for Travellers:
• Policy Enquiries - If you need to confirm your policy details, please call AIG Travel Customer Service Centre at 1800 88 88 11 (9am to 5pm during weekdays, excluding public holidays) or email us at AIGMYCare@aig.com
• If you need Emergency Assistance please call our team on +60 3 2772 5600 (overseas) or 03 2772 5600 (Malaysia) at any time
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
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.
Hong Kong Travel Protest
Frequently Asked Questions (FAQs)
Country affected : Hong Kong
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
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.
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.
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.
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.
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.
An individual who travels domestically within Malaysia or overseas for the purpose of leisure and/or business. However, we do not cover directly or indirectly from planned or actual travel in, to or through Cuba, Iran, Syria, North Korea or Crimea Region.
Any residents of Cuba, Iran, Syria, North Korea or the Crimea region will not allowed to purchase this policy.
Importance of disclosure:
i. You must disclose all material facts which will affect the risk profile such as your age and occupation.
ii. 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.
(a) 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.
(b) Travel Delay and Accidental Death & Disablement within 12 hours prior to departure from Malaysia.
(c) All other benefits upon departure from Malaysia.
Yes. For one-way travel, coverage terminates 5 days upon your departure from Malaysia.
If you are covered by more than one policy, we will cover you based on the policy which provides the highest benefit level.
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.
Sum insured listed in the schedule of benefit is payable based on per incident.
Please call our 24 Hours, 7 Days worldwide travel assistance at +603-2772 5600.
You may reverse charge the call where this service is available.
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.
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.
If you are traveling to multiple destinations within the same trip, you can be covered under one policy.
No refund of premium is allowed once the policy has been incepted.
It takes 30 working days to process a claim, upon receiving complete documentation and provided that there is no further information or investigation required.
No. We do not cover any pre-existing condition occurring within 1 year prior to the policy effective date.
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.
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.
No, dental expenses and pregnancy-related matters are not covered, unless they are direct consequences of an accident.
We will reimburse the reasonable and necessary additional cost of travel, accommodation and the unused and non-refundable expenses which is paid in advance and not recoverable from any relevant parties.
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.
Yes, travel cancellation covers any event below which occurs within 14 days prior to original scheduled departure which:
(a) leads to widespread violence;
(b) 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
(c) following the advise 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.
Yes. Natural disasters including but not limited to volcanic eruption, flood, earthquake, tsunami, hurricane or wildfire are covered events under our policy.
If you transit in the Middle East with no stop over, you may purchase a Region 2 plan.
If you transit in the Middle East with a maximum stop over of 1 night because there is no connecting flight, you may also purchase a Region 3 plan.
A child (aged between 31 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.
“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%.
No. You must purchase the policy prior to your scheduled departure.
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.
For domestic trips, coverage starts as soon as you depart from your place of residence or work. For overseas trips, coverage starts as soon as you depart from Malaysia. Coverage is valid if the travel period is a minimum of 2 days and terminates upon your return or upon completion of 31 consecutive days of travel, whichever is earlier.
It covers you for any loss or damage to your golfing equipment or any liability to a third party for property damage or bodily injury
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.