5 Things to Check when You Buy Travel Insurance Online in Malaysia

Traveling is the cure for a weary soul. If you want a different scenery to help you relax and get you out of your stressful shoes, going to a different city, or better yet, a different country, would be the best idea. But before heading out, there are some important matters that you need to take care of, such as your accommodations, itinerary, flight details, and, not to forget, your travel insurance.

Choosing to buy travel insurance online in Malaysia is a smart move because you wouldn’t need to leave the house, allowing you more time to pore over your itinerary and even pack your bags. But don’t just buy the first travel insurance you see online! Make sure you find one that fits your needs. Here are five things to look out for in a travel insurance policy:Here are five things to look out for in a travel insurance policy

  1. Trip Duration Every policy has a limited number of coverage days. Some offer 30 days coverage, while others offer 90 days of coverage. If your trip takes more than the days of coverage, your insurance will be invalidated. Choose a policy that covers the entire duration of your vacation.
  2. Excluded Locations Some travel insurance policies exclude certain regions or countries in their coverage. This could be due to serious security reasons in the area, making it a place of high-risk. Check your policy to see if the place you are visiting is not excluded.
  3. Claims Limitation Travel insurance policies can cover for lost baggage, flight delays, health issues, accidents and even lost cash. However, there is a limit to the amount that policy will cover. For instance, if you lost RM3,000 in cash, but your policy states that it will cover only the first RM 2,000, you will only be able to get RM2,000. Typically, the higher the cost of the policy, the larger the claims amount.
  4. High-Risk Activities Are you planning on going scuba diving, cliff jumping or skydiving? These are high-risk activities that can invalidate your insurance. Check if the policy specifies activities that they will not cover and can render your policy useless.
  5. Cancellations Many people purchase their travel insurance the moment they book their flight. This is because some policies cover cancellations due to illness or other emergencies.

Choosing to buy travel insurance online in Malaysia is a smart moveThese are the most important items to watch out for when you buy your travel insurance online. However, these are not the only ones. Make sure you read the fine print of the policy you are eyeing before buying one to make the most out of your purchase.