Now Includes COVID-19 Coverage

Travel Insurance

Feel safe knowing you're covered against COVID-19, trip cancellation and more.

Travel Insurance Overview

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

Overseas COVID-19 coverage such as Medical Expenses up to RM700,000, Quarantine Allowance and more. 

Reimbursement up to RM1 million (including cashless hospital admission)

If your trip is cancelled due to covered events, we’ll reimburse up to RM15,000

Lump sum payout up to RM400,000

Wherever you are in the world, we’re ready to help 24/7.

If you get into an accident in a rented car during the trip, we’ll cover the excess charges up to RM3,000.

Instant and easy online purchase for your next trip.
 Buy online here>

Stand a chance to win a trip to Langkawi!

How It Works:

1.Purchase AIG Travel Insurance online during the promotion period  from 2 December 2021 to 15 January 2022

2.Tell us "How you would want to spend your holiday in Langkawi?" in 50 words or less. The most creative answer wins the Grand Prize!

3.Email your answer & travel insurance policy number to AIGMYno.reply@aig.com

Terms & Conditions apply.

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 abroad.

Travel 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.

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.

Quote & buy online, 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

24/7 Worldwide Travel Assistance

Downloads, Claims

FAQ

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.

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. 

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

(a) 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;
(b) 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;
(c) Your travel pre-arrangements must be made and paid for in Malaysia prior to your trip and your trip must commence in Malaysia; and
(d) 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.

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.

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 (available for Standard and Deluxe plan only).

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).

No, dental expenses and pregnancy-related matters are not covered, unless they are direct consequences of an accident.

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.

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. 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.

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.

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%.

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.

 

Question

Answer

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.
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.

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.  
How do I make a claim?

Fill up the Travel Claim Form  (Section K: Car Rental Excess Charges & Return Costs) and attach the payment receipt provided by the car rental company.

 *Subject to policy terms & conditions.

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.