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Notes

MSIG Insurance (Malaysia) Bhd is a member of PIDM. The benefit(s) payable under eligible product is protected by PIDM up to limits. Please refer to PIDM's TIPS Brochure or contact MSIG Insurance (Malaysia) Bhd or PIDM (visit www.pidm.gov.my).

Key benefits

Personal Accident and Medical Cover

Provides personal accident coverage and reimbursement of medical expenses incurred as a result of accidental bodily injury or illnesses suffered when traveling.

Luggage Delay, Damage or Loss

Cover reimbursement for total loss/damage to your luggage and personal effects. There is also compensation for every six (6) consecutive hours of delay.

Travel Cancellation, Curtailment and Delay

Reimbursement of your pre-paid and non-refundable accommodation and travel expenses incurred in the event of cancellation, curtailment or delay of your journey due to covered events. Please see the policy wording for more information.

Home Protection

Compensation for loss or damage to home contents in your home due to fire, flood, riot, strike or industrial action.

Note: this benefit is not applicable to non-residents.

Coverage

Read the product disclosure sheet and general terms and conditions before taking out this insurance. View downloads

Plans

Single Trip: Plan 1

Starting from RM36.00/trip
Benefits
Max RM

Section 1 - Personal accident

250,000

Section 2 - Medical & other expenses

300,000

Section 3 - Luggage & personal effects

5,000

Section 4 - Luggage Delay (Every 6 Consecutive Hours)

Overseas

200 (max 800)

Malaysia

max 200

Section 5 - Personal money & unauthorised use of card

1,000

Section 6 - Travel Documents

5,000

Section 7 - Travel Cancellation

18,000

Section 8 - Travel Curtailment

18,000

Section 9 - Travel Delay (First 4 Consecutive Hours of Delay & Every Subsequent 6 Consecutive Hours of Delay)

200 (max 3,600)

Section 10 - Missed Travel Connection (Min 6 hours)

600

Section 11 - Travel Overbooked (Every 6 Consecutive Hours)

500 (max 1,000)

Section 12 - Missed Departure

1,000

Section 13 - Travel Reroute (Min 6 Consecutive Hours)

250

Section 14 - Loss of Travel Deposit

7,500 (max 22,500 for Family Plan)

Section 15 - Additional Costs of Rental Car Return And Rental Car Excess

1,000

Section 16 - Personal Liability

1,000,000

Section 17 - Loss of Use of Hotel Facilities

200 per day (max 2,000)

Section 18 - Home Protection

500

Section 19 - Adventurous Activity Cover

Covered

Section 20 - Emergency Telephone Charges

100

Section 21 - Alternative Transport Arrangement

1,000

Section 22 - Worldwide Travel Assistance Services

Covered

Terrorism & Hijacking

Covered

Chartered Flights (Scheduled)

Covered


View more View less

Single Trip: Plan 2

Starting from RM44.00/trip
Benefits
Max RM

Section 1 - Personal accident

350,000

Section 2 - Medical & other expenses

400,000

Section 3 - Luggage & personal effects

7,500

Section 4 - Luggage Delay (Every 6 Consecutive Hours)

Overseas

200 (max 1,000)

Malaysia

max 200

Section 5 - Personal money & unauthorised use of card

1,000

Section 6 - Travel Documents

7,500

Section 7 - Travel Cancellation

50,000

Section 8 - Travel Curtailment

50,000

Section 9 - Travel Delay (First 4 Consecutive Hours of Delay & Every Subsequent 6 Consecutive Hours of Delay)

200 (max 4,000)

Section 10 - Missed Travel Connection (Min 6 hours)

1,000

Section 11 - Travel Overbooked (Every 6 Consecutive Hours)

500 (max 1,000)

Section 12 - Missed Departure

1,000

Section 13 - Travel Reroute (Min 6 Consecutive Hours)

500

Section 14 - Loss of Travel Deposit

7,500 (max 22,500 for Family Plan)

Section 15 - Additional Costs of Rental Car Return And Rental Car Excess

1,000

Section 16 - Personal Liability

1,000,000

Section 17 - Loss of Use of Hotel Facilities

200 per day (max 2,000)

Section 18 - Home Protection

500

Section 19 - Adventurous Activity Cover

Covered

Section 20 - Emergency Telephone Charges

150

Section 21 - Alternative Transport Arrangement

1,000

Section 22 - Worldwide Travel Assistance Services

Covered

Terrorism & Hijacking

Covered

Chartered Flights (Scheduled)

Covered


View more View less

Single Trip: Plan 3

Starting from RM50.00/trip
Benefits
Max RM

Section 1 - Personal accident

500,000

Section 2 - Medical & other expenses

500,000

Section 3 - Luggage & personal effects

10,000

Section 4 - Luggage Delay (Every 6 Consecutive Hours)

Overseas

200 (max 1,200)

Malaysia

max 200

Section 5 - Personal money & unauthorised use of card

1,000

Section 6 - Travel Documents

10,000

Section 7 - Travel Cancellation

50,000

Section 8 - Travel Curtailment

50,000

Section 9 - Travel Delay (First 4 Consecutive Hours of Delay & Every Subsequent 6 Consecutive Hours of Delay)

200 (max 4,500)

Section 10 - Missed Travel Connection (Min 6 hours)

1,500

Section 11 - Travel Overbooked (Every 6 Consecutive Hours)

500 (max 1,000)

Section 12 - Missed Departure

1,000

Section 13 - Travel Reroute (Min 6 Consecutive Hours)

500

Section 14 - Loss of Travel Deposit

7,500 (max 22,500 for Family Plan)

Section 15 - Additional Costs of Rental Car Return And Rental Car Excess

1,000

Section 16 - Personal Liability

1,000,000

Section 17 - Loss of Use of Hotel Facilities

200 per day (max 2,000)

Section 18 - Home Protection

500

Section 19 - Adventurous Activity Cover

Covered

Section 20 - Emergency Telephone Charges

150

Section 21 - Alternative Transport Arrangement

1,000

Section 22 - Worldwide Travel Assistance Services

Covered

Terrorism & Hijacking

Covered

Chartered Flights (Scheduled)

Covered


View more View less
RECOMMENDED

Annual Cover: Plan 1

Starting from RM247.32 per year
Benefits
Max RM

Section 1 - Personal accident

250,000

Section 2 - Medical & other expenses

300,000

Section 3 - Luggage & personal effects

5,000

Section 4 - Luggage Delay (Every 6 Consecutive Hours)

Overseas

200 (max 800)

Malaysia

max 200

Section 5 - Personal money & unauthorised use of card

1,000

Section 6 - Travel Documents

5,000

Section 7 - Travel Cancellation

18,000

Section 8 - Travel Curtailment

18,000

Section 9 - Travel Delay (First 4 Consecutive Hours of Delay & Every Subsequent 6 Consecutive Hours of Delay)

200 (max 3,600)

Section 10 - Missed Travel Connection (Min 6 hours)

600

Section 11 - Travel Overbooked (Every 6 Consecutive Hours)

500 (max 1,000)

Section 12 - Missed Departure

1,000

Section 13 - Travel Reroute (Min 6 Consecutive Hours)

250

Section 14 - Loss of Travel Deposit

7,500 (max 22,500 for Family Plan)

Section 15 - Additional Costs of Rental Car Return And Rental Car Excess

1,000

Section 16 - Personal Liability

1,000,000

Section 17 - Loss of Use of Hotel Facilities

200 per day (max 2,000)

Section 18 - Home Protection

500

Section 19 - Adventurous Activity Cover

Covered

Section 20 - Emergency Telephone Charges

100

Section 21 - Alternative Transport Arrangement

1,000

Section 22 - Worldwide Travel Assistance Services

Covered

Terrorism & Hijacking

Covered

Chartered Flights (Scheduled)

Covered


View more View less

Annual Cover: Plan 2

Starting from RM305.64 per year
Benefits
Max RM

Section 1 - Personal accident

350,000

Section 2 - Medical & other expenses

400,000

Section 3 - Luggage & personal effects

7,500

Section 4 - Luggage Delay (Every 6 Consecutive Hours)

Overseas

200 (max 1,000)

Malaysia

max 200

Section 5 - Personal money & unauthorised use of card

1,000

Section 6 - Travel Documents

7,500

Section 7 - Travel Cancellation

50,000

Section 8 - Travel Curtailment

50,000

Section 9 - Travel Delay (First 4 Consecutive Hours of Delay & Every Subsequent 6 Consecutive Hours of Delay)

200 (max 4,000)

Section 10 - Missed Travel Connection (Min 6 hours)

1,000

Section 11 - Travel Overbooked (Every 6 Consecutive Hours)

500 (max 1,000)

Section 12 - Missed Departure

1,000

Section 13 - Travel Reroute (Min 6 Consecutive Hours)

500

Section 14 - Loss of Travel Deposit

7,500 (max 22,500 for Family Plan)

Section 15 - Additional Costs of Rental Car Return And Rental Car Excess

1,000

Section 16 - Personal Liability

1,000,000

Section 17 - Loss of Use of Hotel Facilities

200 per day (max 2,000)

Section 18 - Home Protection

500

Section 19 - Adventurous Activity Cover

Covered

Section 20 - Emergency Telephone Charges

150

Section 21 - Alternative Transport Arrangement

1,000

Section 22 - Worldwide Travel Assistance Services

Covered

Terrorism & Hijacking

Covered

Chartered Flights (Scheduled)

Covered


View more View less

Annual Cover: Plan 3

Starting from RM356.40
Benefits
Max RM

Section 1 - Personal accident

500,000

Section 2 - Medical & other expenses

500,000

Section 3 - Luggage & personal effects

10,000

Section 4 - Luggage Delay (Every 6 Consecutive Hours)

Overseas

200 (max 1,200)

Malaysia

max 200

Section 5 - Personal money & unauthorised use of card

1,000

Section 6 - Travel Documents

10,000

Section 7 - Travel Cancellation

50,000

Section 8 - Travel Curtailment

50,000

Section 9 - Travel Delay (First 4 Consecutive Hours of Delay & Every Subsequent 6 Consecutive Hours of Delay)

200 (max 4,500)

Section 10 - Missed Travel Connection (Min 6 hours)

1,500

Section 11 - Travel Overbooked (Every 6 Consecutive Hours)

500 (max 1,000)

Section 12 - Missed Departure

1,000

Section 13 - Travel Reroute (Min 6 Consecutive Hours)

500

Section 14 - Loss of Travel Deposit

7,500 (max 22,500 for Family Plan)

Section 15 - Additional Costs of Rental Car Return And Rental Car Excess

1,000

Section 16 - Personal Liability

1,000,000

Section 17 - Loss of Use of Hotel Facilities

200 per day (max 2,000)

Section 18 - Home Protection

500

Section 19 - Adventurous Activity Cover

Covered

Section 20 - Emergency Telephone Charges

150

Section 21 - Alternative Transport Arrangement

1,000

Section 22 - Worldwide Travel Assistance Services

Covered

Terrorism & Hijacking

Covered

Chartered Flights (Scheduled)

Covered


View more View less

Note: Premium displayed above is based on coverage of Area 1, a trip duration of 5 days and below, and an insured aged below 70. Premiums may vary based on coverage area, period of insurance, and age of the insured party.

Add-on

Pet benefit Alternative transport top up Cruise benefit

Pet benefit

Unforeseen travel setbacks can disrupt plans and create additional concerns, especially for pet owners. Ensuring your pet’s care is managed seamlessly during such times is a responsibility that cannot be overlooked.


The Pet Benefit Add-On provides you with an allowance to cover additional pet boarding expenses that arise if your journey is unexpectedly delayed. This benefit activates after a minimum travel delay of at least 8 hours which impacted your scheduled pick up of your pet and can support you for up to 5 days. With this add-on, you can travel with confidence, knowing that your pet’s care will not be compromised.

Petbenefits

Available with

Alternative transport top up

  • It covers additional costs incurred for alternative transport or alternative routes to your next destination in the event that the scheduled carrier is cancelled or delayed for more than 24 hours directly caused by:
    1. Strike, riot and civil commotion or industrial action;
    2. Adverse weather conditions; 
    3. Natural disaster; or
    4. Mechanical breakdown or structural defect of your scheduled public conveyance.
  • With this add-on, you can enjoy your journey without worrying about any unexpected transportation expenses.

View the Alternative Transport Top Up FAQ here

Available with

Cruise benefit

This add-on covers excursion tours or activities that take place during the time your cruise ship is docked at a port on your cruise itinerary. Coverage includes:

  1. Excursion tour cancellation.
  2. Excursion tour disruption.
  3. Cruise connection.

View the Cruise Benefit FAQ here

Available with

Pet benefit

Unforeseen travel setbacks can disrupt plans and create additional concerns, especially for pet owners. Ensuring your pet’s care is managed seamlessly during such times is a responsibility that cannot be overlooked.


The Pet Benefit Add-On provides you with an allowance to cover additional pet boarding expenses that arise if your journey is unexpectedly delayed. This benefit activates after a minimum travel delay of at least 8 hours which impacted your scheduled pick up of your pet and can support you for up to 5 days. With this add-on, you can travel with confidence, knowing that your pet’s care will not be compromised.

Petbenefits

Available with

Alternative transport top up

  • It covers additional costs incurred for alternative transport or alternative routes to your next destination in the event that the scheduled carrier is cancelled or delayed for more than 24 hours directly caused by:
    1. Strike, riot and civil commotion or industrial action;
    2. Adverse weather conditions; 
    3. Natural disaster; or
    4. Mechanical breakdown or structural defect of your scheduled public conveyance.
  • With this add-on, you can enjoy your journey without worrying about any unexpected transportation expenses.

View the Alternative Transport Top Up FAQ here

Available with

Cruise benefit

This add-on covers excursion tours or activities that take place during the time your cruise ship is docked at a port on your cruise itinerary. Coverage includes:

  1. Excursion tour cancellation.
  2. Excursion tour disruption.
  3. Cruise connection.

View the Cruise Benefit FAQ here

Available with

Do I need

annual travel

insurance?

Frequently asked questions

Who is eligible to apply?
  • All Malaysians, Permanent Residents, Non Residents, Work Permit/Employment Pass Holders or otherwise legally employed persons in Malaysia and their Dependents are eligible to apply. Family Plan is permitted for Single Trip only and the age limit of child is between 31 days and 17 years.
  • For Annual Cover, all applicants must be between 18 and 69 years old at first enrolment. Cover may be granted beyond age 70 provided you were enrolled in the Plan before that age and have remained continuously covered thereafter, up to the maximum age of 80.
Can I buy a separate cover for my child?

Yes, the rate charged is based on the individual plan and for Single Trip only and all the benefits are the same except for Death Benefit. A parent must sign the proposal form on the life of the Insured Person.

I suffer from medical and physical conditions. Can I claim for medical/hospital and other related expenses if I require treatment while on my trip?

No, the policy excludes pre-existing conditions, i.e., any illness or injury that the Insured had contracted, was diagnosed or treated for during the 12 months prior to the journey and whether or not treatment, medication or advice was sought or received prior to the commencement of the journey.

Can I continue my medical treatment for any injury sustained during my overseas trip, after my return home?

Yes, you have a maximum of 45 days to undergo follow-up treatment subject to your plan’s benefit limits.

Can I claim for travel delay in the event of a terrorist attack at the Airport?

No. Terrorism Extension only covers the Insured Person in respect of death or bodily injury caused by third party acts of terrorism provided that such acts of terrorism do not involve the use of biological, chemical agents or nuclear devices.

Downloads

MSIG TravelRight Plus Policy Wording Booklet

MSIG TravelRight Plus Insurance Brochure

TravelRight Plus Chinese Leaflet

Travel Add-On: Alternative Transport Top Up Leaflet

MSIG Travel Add-on Pet Benefit Leaflet EN & BM

Alternative Transport Top Up FAQs

Travel Add-On: Cruise Benefit Leaflet

Cruise Benefit FAQs

MSIG TravelRight Plus Proposal Form

Product Disclosure Sheet

Download all

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