Travel Insurance
Why Travel Insurance Matters
Nobody wants to think about the “what ifs” before a holiday. But stuff happens. Flights get cancelled. Bags go missing. And if you’re overseas, especially somewhere remote or non-English speaking, the stress multiplies.
That’s where Travel Insurance steps in. It helps cover unexpected costs so you’re not left scrambling, or worse, stuck footing a huge bill.
Think of it like a safety net. Hopefully you never need it. But if you do, you’ll be glad it’s there.
What About Club Med?
Club Med has discontinued their travel insurance offering. So if you’re booking a stay especially one of their all-inclusive resorts, you’ll need to arrange your own coverage.
Even in paradise, things can go sideways. Your Club Med booking may be perfect, but your flight might not be. Or your luggage might take a detour. It’s better to be covered.
Not All Policies Are the Same
This is important. Not all travel insurance is equal. Some policies look cheap but don’t cover much. Others sound great until you read the exclusions.
We help you compare your options, based on where you’re going, how long you’ll be away, and what you plan to do there.
Going skiing? You’ll need winter sports coverage. Planning a cruise? There is specific cover for that too.
AIG Travel Insurance Benefits
| Benefits | Essential Plan |
|---|---|
Covid 19 Coverage |
Sum Insured Up To (MYR) |
Medical Expense (Overseas),
Emergency Medical Evacuation & Emergency Medical Repartation |
N/A |
Out of Country Covid-19 Diagnosis Quarantine (Up to 14 days) *Reimbursement Basis |
N/A |
Travel Cancellation &
Travel Postponement
(Prior To Departure) |
N/A |
Travel Curtailment |
N/A |
Base Coverage |
Sum Insured Up To (MYR) |
Trip Cancellation (Pre Departure) |
20,000 |
Medical Expense |
300,000 |
Emergency Medical Evacuation &
Emergency Medical Repatriation |
Unlimited |
Compassionate Visit |
9,000 |
Child Guard |
9,000 |
Daily Hospital Income (MYR250 per day) |
15,000 |
Emergency Telephone Charges and Internet Use |
150 |
Follow Up Medical Treatment in Malaysia • Medical Expense (up to 30 days) • Treatment by Healthcare Professionals | 50,000 500 |
Repatriation of Mortal Remains |
Unlimited |
Trip Curtailment |
20,000 |
Trip Interruption |
1,500 |
Travel Missed Connection (MYR200 / 6 Hours) |
600 |
Travel Delay (MYR150 / 6 Hours) • Overseas • Malaysia | 3,900 450 |
Travel Reroute (MYR200 / 6 Hours) |
600 |
Loss of Personal Baggage Items Item limit: • Any one item • Portable Computers including tablets • Baggage Damage per bag |
5,000 500 1,000 250 |
Baggage Delay (MYR200 / 6 Hours) • Overseas • Malaysia | 800 200 |
Fraudulent use of Credit Card |
1,500 |
Loss of Travel Document |
5,000 |
Loss of Personal Money |
1,000 |
Personal Accident • Age 30 days to 17 years • Age 18 to 85 years | 75,000 300,000 |
Personal Liability |
1,000,000 |
Loss of Home Contents |
2,000 |
Car Rental Excess Charges |
2,000 |
| Benefits | Superior Plan |
|---|---|
Covid 19 Coverage |
Sum Insured Up To (MYR) |
Medical Expense (Overseas),
Emergency Medical Evacuation & Emergency Medical Repartation |
600,000 |
Out of Country Covid-19 Diagnosis Quarantine (Up to 14 days) *Reimbursement Basis |
4,200 (Up to 300/day) |
Travel Cancellation &
Travel Postponement
(Prior To Departure) |
25,000 |
Travel Curtailment |
25,000 |
Base Coverage |
Sum Insured Up To (MYR) |
Trip Cancellation (Pre Departure) |
25,000 |
Medical Expense |
600,000 |
Emergency Medical Evacuation &
Emergency Medical Repatriation |
Unlimited |
Compassionate Visit |
12,000 |
Child Guard |
12,000 |
Daily Hospital Income (MYR250 per day) |
20,000 |
Emergency Telephone Charges and Internet Use |
300 |
Follow Up Medical Treatment in Malaysia • Medical Expense (up to 30 days) • Treatment by Healthcare Professionals | 50,000 700 |
Repatriation of Mortal Remains |
Unlimited |
Trip Curtailment |
25,000 |
Trip Interruption |
2,000 |
Travel Missed Connection (MYR200 / 6 Hours) |
800 |
Travel Delay (MYR150 / 6 Hours) • Overseas • Malaysia | 4,200 450 |
Travel Reroute (MYR200 / 6 Hours) |
800 |
Loss of Personal Baggage Items Item limit: • Any one item • Portable Computers including tablets • Baggage Damage per bag |
7,000 500 1,500 250 |
Baggage Delay (MYR200 / 6 Hours) • Overseas • Malaysia | 1,000 200 |
Fraudulent use of Credit Card |
2,000 |
Loss of Travel Document |
6,000 |
Loss of Personal Money |
2,000 |
Personal Accident • Age 30 days to 17 years • Age 18 to 85 years | 100,000 400,000 |
Personal Liability |
1,000,000 |
Loss of Home Contents |
3,000 |
Car Rental Excess Charges |
3,000 |
| Benefits | Premier Plan |
|---|---|
Covid 19 Coverage |
Sum Insured Up To (MYR) |
Medical Expense (Overseas),
Emergency Medical Evacuation & Emergency Medical Repartation |
800,000 |
Out of Country Covid-19 Diagnosis Quarantine (Up to 14 days) *Reimbursement Basis |
7,000 (Up to 500/day) |
Travel Cancellation &
Travel Postponement
(Prior To Departure) |
30,000 |
Travel Curtailment |
30,000 |
Base Coverage |
Sum Insured Up To (MYR) |
Trip Cancellation (Pre Departure) |
30,000 |
Medical Expense |
10,000,000 |
Emergency Medical Evacuation & Emergency Medical Repatriation |
Unlimited |
Compassionate Visit |
15,000 |
Child Guard |
15,000 |
Daily Hospital Income (MYR250 per day) |
30,000 |
Emergency Telephone Charges and Internet Use |
500 |
Follow Up Medical Treatment in Malaysia • Medical Expense (up to 30 days) • Treatment by Healthcare Professionals | 50,000 1000 |
Repatriation of Mortal Remains |
Unlimited |
Trip Curtailment |
30,000 |
Trip Interruption |
3,000 |
Travel Missed Connection (MYR200 / 6 Hours) |
1,200 |
Travel Delay (MYR150 / 6 Hours) • Overseas • Malaysia | 5,100 900 |
Travel Reroute (MYR200 / 6 Hours) |
1200 |
Loss of Personal Baggage Items Item limit: • Any one item • Portable Computers including tablets • Baggage Damage per bag |
10,000 500 2,000 250 |
Baggage Delay (MYR200 / 6 Hours) • Overseas • Malaysia | 2,000 800 |
Fraudulent use of Credit Card |
3,000 |
Loss of Travel Document |
8,000 |
Loss of Personal Money |
3,000 |
Personal Accident • Age 30 days to 17 years • Age 18 to 85 years | 125,000 500,000 |
Personal Liability |
1,000,000 |
Loss of Home Contents |
5,000 |
Car Rental Excess Charges |
5,000 |
| Benefits | Domestic Plan |
|---|---|
Base Coverage |
Sum Insured Up To (MYR) |
Trip Cancellation (Pre Departure) |
1,000 |
Medical Expense |
20,000 (Accident Only) |
Emergency Medical Evacuation & Emergency Medical Repatriation |
20,000 (Accident Only) |
Travel Delay (MYR150 / 6 Hours) |
300 |
Loss of Personal Baggage Items Item limit: • Any one item • Portable Computers including tablets • Baggage Damage per bag |
1,000 500 1,000 250 |
Baggage Delay (MYR200 / 6 Hours) |
200 |
Personal Accident • Age 30 days to 17 years • Age 18 to 85 years | 50,000 50,000 |
Personal Liability |
500,000 |
AIG Travel Insurance Premiums
Single Trip - Individual (Up to 70 Years)
| Coverage Area | Days | Essential | Superior | Premier |
|---|---|---|---|---|
China, Indonesia, Japan, Singapore and Thailand (C1) |
1-5 |
MYR52 |
MYR64 |
MYR90 |
6-10 |
MYR73 |
MYR92 |
MYR132 | |
11-20 |
MYR103 |
MYR131 |
MYR183 | |
Maldives (C2) |
1-5 |
MYR62 |
MYR78 |
MYR112 |
6-10 |
MYR87 |
MYR107 |
MYR157 | |
11-20 |
MYR121 |
MYR152 |
MYR252 | |
Europe and Mauritius (C3) |
1-5 |
MYR75 |
MYR92 |
MYR145 |
6-10 |
MYR100 |
MYR124 |
MYR201 | |
11-20 |
MYR136 |
MYR177 |
MYR276 | |
Worldwide (C4) |
1-5 |
MYR170 |
MYR200 |
MYR234 |
6-10 |
MYR239 |
MYR282 |
MYR328 | |
11-20 |
MYR386 |
MYR455 |
MYR528 |
Premiums are based on single trip plan for ages up to 60 years. Excludes travel delay upgrade of RM4 per day.
Single Trip - Family (30 Days - 70 Years)
| Coverage Area | Days | Essential | Superior | Premier |
|---|---|---|---|---|
China, Indonesia, Japan, Singapore and Thailand (C1) |
1-5 |
MYR121 |
MYR168 |
MYR195 |
6-10 |
MYR172 |
MYR236 |
MYR269 | |
11-20 |
MYR236 |
MYR359 |
MYR410 | |
Maldives (C2) |
1-5 |
MYR154 |
MYR215 |
MYR250 |
6-10 |
MYR218 |
MYR299 |
MYR328 | |
11-20 |
MYR320 |
MYR487 |
MYR528 | |
Europe and Mauritius (C3) |
1-5 |
MYR186 |
MYR257 |
MYR350 |
6-10 |
MYR280 |
MYR375 |
MYR464 | |
11-20 |
MYR384 |
MYR556 |
MYR670 | |
Worldwide (C4) |
1-5 |
MYR426 |
MYR500 |
MYR581 |
6-10 |
MYR600 |
MYR705 |
MYR821 | |
11-20 |
MYR964 |
MYR1,134 |
MYR1,317 |
Family refers to parents and children up to 25 years. Excludes travel delay upgrade of RM10 per day.
Single Trip - Elder (71 - 85 Years)
| Coverage Area | Days | Essential | Superior | Premier |
|---|---|---|---|---|
China, Indonesia, Japan, Singapore and Thailand (C1) |
1-5 |
MYR112 |
MYR131 |
MYR155 |
6-10 |
MYR156 |
MYR183 |
MYR217 | |
11-20 |
MYR251 |
MYR295 |
MYR349 | |
Maldives (C2) |
1-5 |
MYR153 |
MYR180 |
MYR212 |
6-10 |
MYR214 |
MYR252 |
MYR299 | |
11-20 |
MYR345 |
MYR405 |
MYR479 | |
Europe and Mauritius (C3) |
1-5 |
MYR216 |
MYR252 |
MYR299 |
6-10 |
MYR302 |
MYR356 |
MYR418 | |
11-20 |
MYR486 |
MYR570 |
MYR812 | |
Worldwide (C4) |
1-5 |
MYR643 |
MYR755 |
MYR895 |
6-10 |
MYR904 |
MYR1,065 |
MYR1,256 | |
11-20 |
MYR1,456 |
MYR1,711 |
MYR2,022 |
Single Trip
| Age | Days | Domestic |
|---|---|---|
30 Days – 70 Years |
1-5 |
MYR22.68 |
6-10 |
MYR31.32 | |
11-20 |
MYR49.69 | |
71-85 Years |
1-5 |
MYR79.92 |
6-10 |
MYR113.40 | |
11-20 |
MYR181.44 | |
Family (30 Days to 70 Years) |
1-5 |
MYR54 |
6-10 |
MYR75.60 | |
11-20 |
MYR122.04 |
AIG Travel Insurance Premiums
No, travel insurance must be purchased before your departure from Malaysia.
Yes, winter sports coverage is included, provided that the activities are conducted properly, under the guidance and supervision of a licensed operator.
Please note that this coverage does not extend to those engaging, practising, or participating in winter sports in a semi-professional or professional capacity, or where income or remuneration can be earned from such activities.
No, dental expenses and pregnancy-related matters are not covered unless they are direct consequences of an accident.
To file a travel insurance claim, please follow this online link: AIG Travel Claims.
How to Get Covered
Simple. Just tell us you’d like to include travel insurance with your booking. Or even if you’ve already booked your trip, we can still help you get protected.
We’ll share a few options, you pick the one that feels right. That’s it.
Fast. Easy. No pressure.
