TravelRight Plus
Compensation for accidents and covered events during your trip within the policy period.
Important notice
You are advised to note the scale of benefits for death and disablement in your insurance policy. Where applicable, you must nominate a nominee and ensure that your nominee is aware of the travel insurance policy that you have purchased. You should read and understand the insurance policyand discuss with your insurance adviser or contact the insurance company directly for more information.
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
- Section 1 - Personal accident
- Section 2 - Medical & other expenses
- Section 3 - Luggage & personal effects
- Section 4 - Luggage delay
- Section 5 - Personal money & unauthorised use of card
- Section 6 - Travel documents
- Section 7 - Travel cancellation
- Section 8 - Travel curtailment
- Section 9 - Travel delay
- Section 10 - Missed travel connection
- Section 11 - Travel overbooked
- Section 12 - Missed departure
- Section 13 - Travel reroute
- Section 14 - Loss of travel deposit
- Section 15 - Additional costs of rental car return and rental car excess
- Section 16 - Personal liability
- Section 17 - Loss of use of hotel facilities
- Section 18 - Home protection
- Section 19 - Adventurous activity cover
- Section 20 - Emergency telephone charges
- Section 21 - Alternative transport arrangement
- Section 22 - Worldwide travel assistance services
- Terrorism & hijacking
- Chartered flights (Scheduled)
Note: Duration of cover for Annual policy is for one year. It may be renewed on each anniversary of the Date of Inception by payment of the premium determined by the Company at the time of renewal.
- War and related risks
- Government Regulations or Acts or Authorities of any country
- Hazardous adventure
- Suicide, self-inflicted injury or illness
- The effect or influence (temporary or otherwise) of alcohol or drugs
- Receiving in-patient treatment or is on a waiting list for in-patient treatment
- Received a terminal prognosis from a medical practitioner
- Travelling against the advice of a medical practitioner, or in order to obtain medical advice or treatment abroad
- AIDS, AIDS-related complex and sexually transmitted diseases
- Pre-existing condition
- Pregnancy, childbirth, abortion or miscarriage
- Illness or disorders of psychological nature, any anxiety state and/or nervous depressions and mental illness
- Manual work in connection with any trade, employment or profession
- Travelling in a non-fully licensed passenger-carrying aircraft
- Outbreak of communicable disease which warning or similar publication is issued by the Government of Malaysia or the World Health Organisation
Note: This list is non-exhaustive. Please refer to the Policy Document for the full list of exclusions under this policy.
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
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
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
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
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
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
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
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.
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:
- Strike, riot and civil commotion or industrial action;
- Adverse weather conditions;
- Natural disaster; or
- 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.
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:
- Excursion tour cancellation.
- Excursion tour disruption.
- Cruise connection.
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.
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:
- Strike, riot and civil commotion or industrial action;
- Adverse weather conditions;
- Natural disaster; or
- 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.
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:
- Excursion tour cancellation.
- Excursion tour disruption.
- Cruise connection.
Available with
Do I need
annual travel
insurance?
01
Save big, travel more
Explore the world affordably by spending smart and experiencing more adventures for less!
02
Buy once, travel all year
Unlock endless adventures with one smart purchase—explore, discover, and roam freely all year long!
03
Unlimited travel awaits
Endless adventures and boundless exploration—your journey knows no limits!
01
Save big, travel more
Explore the world affordably by spending smart and experiencing more adventures for less!
02
Buy once, travel all year
Unlock endless adventures with one smart purchase—explore, discover, and roam freely all year long!
03
Unlimited travel awaits
Endless adventures and boundless exploration—your journey knows no limits!
Frequently asked questions
- 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.
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.
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.
Yes, you have a maximum of 45 days to undergo follow-up treatment subject to your plan’s benefit limits.
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
TravelRight Plus Policy Wording Booklet
TravelRight Plus Brochure (EN, BM)
TravelRight Plus Leaflet (CH)
Travel Add-on Pet Benefit Leaflet (EN, BM)
Travel Add-on Pet Benefit FAQ (EN)
Travel Add-On Alternative Transport Top Up Leaflet (EN, BM)
Travel Add-on Alternative Transport Top Up FAQ (EN)
Travel Add-On Cruise Benefit Leaflet (EN, BM)
Travel Add-on Cruise Benefit FAQ (EN)
Product Disclosure Sheet (EN)
TravelRight Plus Proposal Form
Nomination
Nomination is important to ensure that your loved ones will receive the protection as intended by you and that policy moneys may be paid out by insurers without any delay. Where no nomination is made, the policy moneys will be paid out to your lawful executor (if you have made a Will) or your lawful administrator (if no Will has been made) – this process will take a while.
*If there is no lawful executor or administrator, then the policy moneys will be paid out to the rightful persons in accordance with applicable distribution laws.
You can nominate any individual(s) you want. HOWEVER, not all nominees will receive the policy moneys beneficially or for their own use. Depending on your marital status and who you nominate, nominations may produce unexpected results for the nominee(s). Likewise, nominations by a Muslim policy owner and non-Muslim policy owner will have different consequences.
How so?
Nominations made by a non-Muslim policy owner will create either (i) a trust policy in favour of the nominee(s) or (ii) a non-trust policy.
To ensure that your nominee(s) receive the policy moneys as intended, you need to ensure that a trust policy is created in favour of your nominee(s).
Trust policy will be created:
(a) if the nominee is your spouse or child; or
(b) if the nominee is your parent (provided that there is no living spouse or child at the time you make the nomination).
In such as case, you are creating a non-trust policy. Here, your nominee will only receive the policy moneys as executor and distribute the policy moneys in accordance with your Will or where there is no Will, in accordance with applicable distribution laws. If you intend for these nominee(s) to receive the policy moneys beneficially and not as executor, you will need to assign the policy benefits to them.
In brief, if you nominate people other than your spouse, children or parents, make sure to assign the policy benefits to them to ensure that they receive the policy moneys for their own use. Please contact MSIG if you require more information on this.
Nominee(s) irrespective of the relationship with the policy owner can only receive the policy moneys as executor and the policy moneys must be distributed in accordance with Islamic laws.
Ready to get covered?
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