List of Insurance for Covid-19 and Travel Malaysia

Share on facebook
Share on google
Share on twitter
Share on pinterest

Make sure you have a copy of the section of the insurance policy that mentions about the Covid-19 coverage.

Effective 1st April 2022, fully vaccinated travellers to Malaysia do not need to be quarantined. Short-Term Foreign Visitors (Does not apply to Malaysian, Long-Term Social/ Expatriates/ Student/ Study/ Resident/ Permanent Resident Pass, Spouses of Malaysian citizens, Foreign workers including foreign helpers and MM2H) have to purchase COVID-19 & travel insurance with minimum coverage of US$20,000 (about RM84,210) (Reopening Borders Full SOP)

 Langkawi Travel Bubble (LTB) – Discontinued

[How to purchase/ Upload Covid-19 Travel Insurance on MySafeTravel]


Things to take note

  • Some Insurance policies indicate “Pandemic Coverage” not “Covid-19 Coverage”, and may not be accepted by some countries. You might have problems entering Malaysia.
  • Depending on where you buy the insurance from, websites and policies for the same insurance company can vary from country to country. It is better to purchase the insurance from your country of residence.
  • The price of premium changes with age, the duration of coverage and the distance between where you travel from to the destination.

Tutorial on how to buy Berjaya Sompo and Zurich Insurance on MYSAFETRAVEL


International Insurance 

  • Berjaya Sompo Insurance | Product Disclosure Sheet: from RM65 for 31 days with coverage of RM100k medical expenses | Tutorial: How to buy from MySafeTravel | Coverage for COVID-19 is only applicable provided You are: Fully Vaccinated; and Your COVID-19 test is tested negative within 72 hours prior to Your Trip
  • Tune Protect Covid Travel Pass+ | Basic Plan: Up to RM100,000 for Inpatient Medical Expenses due to Covid-19 (stage 3 to 5) during your trip in Malaysia – Price from: RM161.25 (30 days return trip). Plan options up to Max 70 years old and 90 days | Reviews Tune Protect: I used tune protect, this is the easiest. It shows the amount covered for Covid which is important. Review Feb 22: Tune Protect does not seem to take US Credit card for purchase of the Covid Insurance. 
  • SafetyWing | safetywing.com | Nomad Insurance: from USD42 (RM176) for 4 weeks. Your insurance will automatically charge a recurring payment every 28 days (4 weeks) until you cancel or until 364 days have passed, when we will request you to renew. FAQ: Coverage for Covid-19 works the same as any other illness. Covers quarantine outside your home country of USD50/day for up to 10 days. Coverage: Age 65 to 69: USD100K. Others: Up to USD250k (RM1 Million) – Safetywing Review: I can recommend Safetywing for insurance. It’s cheaper than Tune protect and easy to enroll as well. The “visa letter” clearly states that COVID is covered. Review: With their Nomad insurance you can pick how long you want your insurance for. They have a fantastic customer care chat/hotline as well. 
  • ZURICH Insurance – MYEG Travel Insurance | from about RM189 for 30 days | Zurich Product Disclosure Sheet  – Tutorial: How to buy from MySafeTravel
  • Trawick International – Eg: Plan A coverage USD50k. To or From Malaysia (31 days) – $58.90 (RM248) for 45 years old. Extendable up to 2 years. Covers COVID-19 the same as any other sickness. Trawick Insurance Brochure: Persons age 80 to 99 and over are eligible for $50,000 plan only


From Malaysia to Other Countries/ For Malaysians or Long Term Residents of Malaysia

  • AXA MalaysiaBe careful with AXA Malaysia because their policy does not mention anything about Covid coverage. Review: I am flying to the UK in April & my office purchased travel insurance including add-on for pandemic cover (among other add-ons which you can choose) from AXA Malaysia. Those interested can check out AXA Insurance Malaysia Summary of Benefit
  • AIG MalaysiaPlans: From Basic Plan RM 151 per person (30 days) for COVID-19 Medical Benefits up to RM 250,000 to South East Asian Countries. Only Malaysians and Permanent Residents are eligible for this travel insurance plan. In the event you are diagnosed with COVID-19, they will cover you for COVID-19 coverages including Medical and Emergency Evacuation & Repatriation Expenses, Travel Cancellation, Travel Curtailment and Quarantine (test positive only) Allowance benefits (applicable to Basic, Standard or Deluxe plan only), conditions apply. Up to 180 consecutive days for an overseas trip. Covers up to 85 years old (AIG Travel Insurance Policy Wording)
  • Berjaya Sompo Insurance | All Malaysians, Permanent Residents, Student Pass Holders or Employment Pass Holders/Work Permit Holders legally employed in Malaysia who are aged between 30 days and 80 years old can buy | SOMPO TravelSafe provides you with up to RM500,000 protection against COVID-19 related complications and more. 
  • eTiQa Travel Insurance | etiqa.com.my – Can get the COVID-19 coverage add-on when you travel overseas. Note: Destinations with epidemic or pandemic under Level 4 are not covered. You may click on the link here: Travel Notices to find out more.
  • Allianz Malaysia – Cannot find Covid-19 coverage plan on their website: Allianz Malaysia


From Singapore

  • AXAReviews: I purchased AXA Smart Traveller (Singapore) Essential annual policy. I felt it gave the best coverage at the most reasonable price. It even gives you some extra allowance if you’re hospitalized or quarantined due to covid. SGD 325+. One 30 day trip is already around $140+. If you plan to travel a few more times the coming year, an annual multi trip policy is probably more worth it.
  • AIGTravel Guard Sg: Up to S$250,000 in overseas Covid-19 related medical coverage if you are diagnosed. For example Basic Plan: S$83 (RM255) for 30 days (Covid-19 cover up to S$50,000)
  • FWD | FWD Sg Travel Insurance: Coverage with COVID-19 add-on: Up to S$100,000 (RM310K) in COVID-19 medical expenses incurred during/after your trip. Use promo code TRAVEL25 to get 25% off – Reviews: I bought fwd insurance for $104 two pax for VTL. We got FWD insurance. So far all good. 
  • NTUC Travel InsuranceBuy Online NTUC – Review: Has added Covid Coverage worldwide. Select the country you’re entering. (Eligible only if your country of residence is Singapore). 1 week SG-Malaysia $40-65. 1 month SG-Malaysia $117-166. 
  • Singapore AirlinesReview Dec 21: I travel by SQ and add on their travel insurance by AIG, it covers up to sgd350k covid illness.


From USA

  • AXAReview Jan 22:  Traveled from the US to LTB using AXA Assistance. I paid around $174 for 3 weeks. 
  • Generali Travel InsuranceChoose Plan Generali Global Assistance – Review Feb 22: I live in the US – came home to Malaysia in January – returning early March. I bought a Generali policy – very affordable and you can choose from 3 price options
  • AllianzReview Mar 22: I’ve used Allianz and had good experience for reimbursement! If you are travelling with kids, it is best to get a travel insurance. You just never know! My kid was hospitalized for a week and Allianz reimbursed me pretty swiftly when I filed a claim. Barely any questions asked – uploaded itemized hospital bill and thats was it! 
  • World NomadsReview Mar 22: We have used World Nomads on all our travels. I had to unfortunately see a doctor on one of our trips and the reimbursement process was pain free. The coverage is pretty good, especially if you’re an adventurous travel. Paid out of pocket first for treatment then reimburse.
  • Travel Insured International – I bought mine from Travel Insured International (www.travelinsured.com). Quite inexpensive.
  • Etihad AirwaysReview Mar 22: Check if the airline you are flying provides free covid insurance. I know Etihad Airways provides covid insurance up to 30 days from the date of travel.


From Indonesia


From Thailand

  • CIGNA ThailandReview: CIGNA in Thailand offers oversea covid coverage for 41MYR/person/5day


From Canada

  • BCAACovid-19 Coverage | Review: I did LTB from Vancouver (Canada) to Langkawi. I bought travel insurance from BCAA.


From the United Kingdom – UK

  • HSBC PremierReview: Travelling from UK to LTB, We used HSBC premier which has a link for you to get a certificate emailed to you – it has name and DOB and a specific section on Covid cover – it took about a day to receive.
  • Tesco Bank InsuranceReview: If you are living in the UK, try Tesco Bank insurance. They specifically state covid 19 cover in their policy
  • Post Office UK | Travel Insurance with Covid-19 Cover | about £66.92 for one month | No age limit | up to 365 days – Review: My son bought his travel insurance from the post office (UK) online and used his London address for the LTB last month and we travelled back to KL together. He is back home in London now.


From Australia

  • Tick Travel Insurance | Review: Tick Travel Insurance was what I bought for Covid Cover travelling from Australia to Malaysia. It is acting as a General Insurance Distributor for the product insurer and issuer Mitsui Sumitomo Insurance Company, Limited.
  • Medibank | Medibank Travel Insurance Covid-19 BenefitsReview Feb 22: I used Medibank. Medibank provides a separate letter explaining the policy covers some Covid related stuff (definitely medical) and that the amount is unlimited. The lady at the check in counter in Melb initially said I didn’t have the right insurance as it didn’t show the amount of $80k. I had to stress the word “unlimited” and hold my ground 🙄. Once she double checked with a supervisor all fine.


From Switzerland

Allianz SwitzerlandReview: You can buy quickly online through Allianz Switzerland. They have per trip or per year Covid insurance. Reasonable price.


For Insurance Quotations

  • SquareMouthReview: I bought mine from, their price is reasonable a bit cheaper from Tune.


Sources

Malaysia Air Travel Support Group

Malaysia Quarantine Support Group (MQSG)


For Malaysian Residents:

    • AIGPlans: From RM 39 per person for COVID-19 Medical Benefits up to RM 250,000. Only Malaysians and Permanent Residents are eligible for this travel insurance plan. In the event you are diagnosed with COVID-19, they will cover you for COVID-19 coverages including Medical and Emergency Evacuation & Repatriation Expenses, Travel Cancellation, Travel Curtailment and Quarantine Allowance benefits (applicable to Basic, Standard or Deluxe plan only). Domestic Trip: Each trip shall not exceed 30 consecutive days (Per Trip Plan). 
    • Berjaya Sompo Insurance | All Malaysians, Permanent Residents, Student Pass Holders or Employment Pass Holders/Work Permit Holders legally employed in Malaysia who are aged between 30 days and 80 years old can buy | SOMPO TravelSafe provides you with up to RM500,000 protection against COVID-19 related complications and more. 
covid open borders sop protocol travel to malaysia 1st april
consistent water filter