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Overview

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.

Let us Jaga you on your trip anytime, anywhere!

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.

Our most popular features include

24Hours, 7 Days Worldwide Travel Assistance

Medical & Personal Accident Cover*
up to RM10 million medical expenses & up to RM300,000 in personal accident

Medical Evacuation & Repatriation Service
included in every policy

Flexible Travel Frequency
Option of single trip & multiple trips in a year (annual)

* Coverage differs according to product & plan.

Benefits

Comprehensive coverage

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.

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 60 days before your departure date.

Travel Inconvenience

We provide you coverage for travel inconveniences such as travel delays, loss or damage to your personal belongings, including your checked-in baggage.

Medical & personal accident cover

You can get up to RM10million 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.

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 abroad.

* Coverage differs according to product & plan.

How we helped our customers - Actual Travel Claim Stories

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're now online for you to quote & buy, before your next trip!

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

AIG Travel Updates

Nepal Earthquake - AIG Travel was on the ground in Nepal within 48 hours of April's devastating earthquake.

Read more about our crisis response activities.

24-Hour Emergency Travel Assistance

To contact Travel Guard from anywhere in the world, call:

+60 3 2772 5600

Note : Reverse charges calls can be made from some countries.

General Travel Assistance

> 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

Travel Medical Assistance

> 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

Read more about the full service here.

Downloads, Claims

FAQ

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 Goods and Services Tax (GST) of 6% and is applicable for Domestic trips. 

You can buy your Travel Insurance in any of the following method:

1. Buy online on our website; or
2. Locate & contact an agent to buy

An individual who travels domestically within Malaysia or overseas for the purpose of leisure and/or business. 

Note : We do not cover for any travels made in, to or through Afghanistan, Cuba, Democratic Republic or Congo, Iran, Iraq, Liberia, Sudan or Syria.

Importance of disclosure: 

- You must take reasonable care to ensure that all your answers to the questions are full, complete, correct and honest and to the best of your knowledge. 
- You also have a duty to inform AIG Malaysia of any change in the information given to us earlier before we issue the policy schedule to you, before you renew or change any of the terms of your policy. 
- If you don’t, your policy may be cancelled, or treated as if it never existed, or your claim rejected or not fully paid

(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 travelling to multiple destinations within the same trip, you can be covered under one policy. Please select the furthest region as listed under our area of coverage.

No refund of premium is allowed once the policy has been issued.

Please click here to view our 3 easy steps to make a claim.

It takes 30 working days to process a claim, upon receiving complete documentation and provided that there is no further information or investigation required.

Lodge a report and seek compensation from the airline. You may file in your claim for the loss not compensated by the airline.

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.

You must make a report to the local police within 24 hours after the incident. Please click here to view our 3 easy steps to make a claim.

Yes. You must make a report to the local police within 24 hours after the incident. Please click here to view our 3 easy steps to make a claim.

Yes. Natural disasters including but not limited to volcanic eruption, flood, earthquake, tsunami, hurricane or wildfire are covered events under our policy.

(a) If you transit in the Middle East with no stop over, you may purchase a Region 2 plan.

(b) 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 2 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.

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%.

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.