Travel SafeGuard
Smart Protection for Every Adventure.
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
3 tailored plans to suit your lifestyle budget
Choose from 3 plans (Travel Shield, Travel Max or Golden Joy) tailored for solo travellers, families or seniors.
Extensive personal accident cover of up to RM500,000
Attractive Medical Related Benefits
• Covers illness and injury whilst travelling overseas. Covers include alternative medicine, hospital income and follow-up medical treatment in Malaysia.
• Follow-up treatment in Malaysia includes Traditional Chinese Medicine (TCM).
• Emergency medical evacuation, repatriation, burial and cremation expenses are covered.
Digital-Age Protection for Modern Convenience
Online Purchase Protection
- Protects you against fraud when booking and paying for your online travel-related services by credit card, debit card or digital wallet.
24-Hour Worldwide Travel Assistance
- Dedicated hotline: +603 2166 3080.
- Instant WhatsApp emergency support +1 980 499 5888 while overseas.
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 or digital wallet
- Section 6 - Travel documents
- Section 7 - Travel cancellation
- Section 8 - Travel curtailment
- Section 9 - Travel delay & missed events
- 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: Travel Shield
Starting from RM53.00/trip
Benefits
Max RM
Section 1 - Personal accident
300,000
Section 2 - Medical & other expenses
250,000
Section 3 - Luggage & personal effects
Max 5,000
Section 4 - Luggage Delay (Every 6 Consecutive Hours)
Overseas
200 (Max 800)
Malaysia
Max 200
Section 5 - Personal money & digital transactions
Personal money & unauthorised use of card or digital wallet
1,000
Online purchase protection
Single trip - 1,200 per trip
Online purchase protection
Annual cover - 4,000 per year
Section 6 - Travel documents
3,500
Section 7 - Travel cancellation
20,000
Section 8 - Travel curtailment
20,000
Section 9 - Travel delay & missed events
200 (max 2,400)
Section 10 - Missed Travel Connection (Min 6 hours)
400
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
5,000 (max 15,000 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 1,000)
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: Travel Max
Starting from RM66.00/trip
Benefits
Max RM
Section 1 - Personal accident
500,000
Section 2 - Medical & other expenses
500,000
Section 3 - Luggage & personal effects
Max 10,000
Section 4 - Luggage Delay (Every 6 Consecutive Hours)
Overseas
200 (Max 1,200)
Malaysia
Max 200
Section 5 - Personal money & digital transactions
Personal money & unauthorised use of card or digital wallet
1,500
Online purchase protection
Single trip - 1,200 per trip
Online purchase protection
Annual cover - 4,000 per year
Section 6 - Travel documents
5,000
Section 7 - Travel cancellation
30,000
Section 8 - Travel curtailment
30,000
Section 9 - Travel delay & missed events
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
150
Section 21 - Alternative transport arrangement
1,000
Section 22 - Worldwide travel assistance services
Covered
Terrorism & hijacking
Covered
Chartered flights (Scheduled)
Covered
Single Trip: Golden Joy
Starting from RM72.00/trip
Benefits
Max RM
Section 1 - Personal accident
150,000
Section 2 - Medical & other expenses
150,000
Section 3 - Luggage & personal effects
Max 1,500
Section 4 - Luggage Delay (Every 6 Consecutive Hours)
Overseas
200 (Max 800)
Malaysia
Max 200
Section 5 - Personal money & digital transactions
Personal money & unauthorised use of card or digital wallet
1,000
Online purchase protection
Single trip - 1,200 per trip
Online purchase protection
Annual cover - 4,000 per year
Section 6 - Travel documents
1,500
Section 7 - Travel cancellation
10,000
Section 8 - Travel curtailment
10,000
Section 9 - Travel delay & missed events
200 (max 1,600)
Section 10 - Missed Travel Connection (Min 6 hours)
Not covered
Section 11 - Travel overbooked (Every 6 Consecutive Hours)
Not covered
Section 12 - Missed departure
Not covered
Section 13 - Travel reroute (Min 6 Consecutive Hours)
Not covered
Section 14 - Loss of travel deposit
2,500
Section 15 - Additional costs of rental car return and rental car excess
Not covered
Section 16 - Personal liability
Not covered
Section 17 - Loss of use of hotel facilities
Not covered
Section 18 - Home protection
Not covered
Section 19 - Adventurous activity cover
Covered
Section 20 - Emergency telephone charges
100
Section 21 - Alternative transport arrangement
Not covered
Section 22 - Worldwide travel assistance services
Covered
Terrorism & hijacking
Covered
Chartered flights (Scheduled)
Covered
Annual Cover: Travel Shield
Starting from RM308.88/year
Benefits
Max RM
Section 1 - Personal accident
300,000
Section 2 - Medical & other expenses
250,000
Section 3 - Luggage & personal effects
Max 5,000
Section 4 - Luggage Delay (Every 6 Consecutive Hours)
Overseas
200 (Max 800)
Malaysia
Max 200
Section 5 - Personal money & digital transactions
Personal money & unauthorised use of card or digital wallet
1,000
Online purchase protection
Single trip - 1,200 per trip
Online purchase protection
Annual cover - 4,000 per year
Section 6 - Travel documents
3,500
Section 7 - Travel cancellation
20,000
Section 8 - Travel curtailment
20,000
Section 9 - Travel delay & missed events
200 (max 2,400)
Section 10 - Missed Travel Connection (Min 6 hours)
400
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
5,000 (max 15,000 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 1,000)
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: Travel Max
Starting from RM383.40/year
Benefits
Max RM
Section 1 - Personal accident
500,000
Section 2 - Medical & other expenses
500,000
Section 3 - Luggage & personal effects
Max 10,000
Section 4 - Luggage Delay (Every 6 Consecutive Hours)
Overseas
200 (Max 1,200)
Malaysia
Max 200
Section 5 - Personal money & digital transactions
Personal money & unauthorised use of card or digital wallet
1,500
Online purchase protection
Single trip - 1,200 per trip
Online purchase protection
Annual cover - 4,000 per year
Section 6 - Travel documents
5,000
Section 7 - Travel cancellation
30,000
Section 8 - Travel curtailment
30,000
Section 9 - Travel delay & missed events
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
150
Section 21 - Alternative transport arrangement
1,000
Section 22 - Worldwide travel assistance services
Covered
Terrorism & hijacking
Covered
Chartered flights (Scheduled)
Covered
Annual Cover: Golden Joy
Starting from RM453.60/year
Benefits
Max RM
Section 1 - Personal accident
150,000
Section 2 - Medical & other expenses
150,000
Section 3 - Luggage & personal effects
Max 1,500
Section 4 - Luggage Delay (Every 6 Consecutive Hours)
Overseas
200 (Max 800)
Malaysia
Max 200
Section 5 - Personal money & digital transactions
Personal money & unauthorised use of card or digital wallet
1,000
Online purchase protection
Single trip - 1,200 per trip
Online purchase protection
Annual cover - 4,000 per year
Section 6 - Travel documents
1,500
Section 7 - Travel cancellation
10,000
Section 8 - Travel curtailment
10,000
Section 9 - Travel delay & missed events
200 (max 1,600)
Section 10 - Missed Travel Connection (Min 6 hours)
Not covered
Section 11 - Travel overbooked (Every 6 Consecutive Hours)
Not covered
Section 12 - Missed departure
Not covered
Section 13 - Travel reroute (Min 6 Consecutive Hours)
Not covered
Section 14 - Loss of travel deposit
2,500
Section 15 - Additional costs of rental car return and rental car excess
Not covered
Section 16 - Personal liability
Not covered
Section 17 - Loss of use of hotel facilities
Not covered
Section 18 - Home protection
Not covered
Section 19 - Adventurous activity cover
Covered
Section 20 - Emergency telephone charges
100
Section 21 - Alternative transport arrangement
Not covered
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 80. Premiums may vary based on coverage area, period of insurance, and age of the insured party.
Add-on
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
Golf Benefit
Provides compensation for loss or damage to golf equipment, unused golf green fees and even a celebratory allowance for a hole-in-one.
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
Golf Benefit
Provides compensation for loss or damage to golf equipment, unused golf green fees and even a celebratory allowance for a hole-in-one.
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
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 the child is between 15 days and 17 years.
- For Annual Cover, all applicants must be between 15 days and 64 years old at the time of first enrollment. Cover may be granted beyond age 64 provided you were enrolled in the Plan before that age and have remained continuously covered thereafter, up to the maximum age of 80.
Yes, a parent must sign the proposal form on the life of the child.
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 30 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
Travel SafeGuard Policy Wording (EN)
Travel SafeGuard Brochure with Product Disclosure Sheet (EN, BM)
Travel SafeGuard Proposal Form (EN, BM)
Travel Add-On Alternative Transport Top Up FAQ
Travel Add-On Cruise Benefit FAQ
Travel Add-On Golf Benefit FAQ
Travel Add-On Pet Benefit FAQ
Nomination
Nomination ensures that your loved ones receive the protection you intended and allows insurers to pay out policy moneys without delay.
If no nomination is made, the policy moneys will be paid to:
- your lawful executor (if you have a Will), or
- your lawful administrator (if no Will has been made).
This process may take time.
If there is no lawful executor or administrator, policy moneys will be paid to the rightful recipients in accordance with applicable distribution laws.
You may nominate any individual(s). However, not all nominations allow the nominee(s) to receive the policy moneys for their own use.
The outcome of a nomination depends on:
- your marital status;
- who you nominate; and
- whether you are a Muslim or non-Muslim policy owner.
For non-Muslim policy owners, nominations may result in either:
- a trust policy, or
- a non-trust policy.
To ensure your nominee(s) receive the policy moneys beneficially, a trust policy must be created.
A trust policy is created when:
- the nominee is your spouse or child; or
- the nominee is your parent, provided there is no living spouse or child at the time of nomination.
If you nominate individuals other than your spouse, children, or parents, a non-trust policy is created.
In this case, the nominee(s) will receive the policy moneys as executor only and must distribute them according to:
- your Will, or
- applicable distribution laws if there is no Will.
If you intend for such nominee(s) to receive the policy moneys for their own use, you must assign the policy benefits to them.
In short, if you nominate persons other than your spouse, children, or parents, consider assigning the policy benefits to avoid unintended outcomes. Please contact MSIG for further assistance.
For Muslim policy owners, nominee(s), regardless of their relationship to the Insured Person, may only receive the policy moneys as executor.
The policy moneys must be distributed in accordance with Islamic laws.
Disclaimer: The above FAQs are for general reference only. In the event of any inconsistency or dispute, the provisions under Schedule 10 of the Financial Services Act 2013 shall prevail.
Ready to get covered?
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