Overseas Emergency Medical Evacuation and Repatriation Expenses in Malaysia
In case you are seriously injured or sick whilst in Malaysia, cover is available to cover the costs for the flight home or to get to the nearest hospital.^
sub-limits:
Whether you’re exploring the street art of Penang, hiking through the rainforests of Borneo, or riding a scooter along the coast of Langkawi, Fast Cover’s Malaysia travel insurance offers different levels of cover to suit many types of travel in Malaysia.
Every traveller’s needs are different, so check the PDS to find the right policy for you. Any advice is general advice only and doesn't consider your personal circumstances.
What does Fast Cover’s Malaysia Travel Insurance Cover?
This is only a summary of some benefits available. Each policy has specific terms, conditions, exclusions, and limits. Not all benefits apply to all policies, so always review the PDS before deciding.
24 Hour Emergency Medical Assistance
Fast Cover’s Australian-based emergency assistance hotline provides 24/7 support for unforeseen overseas medical emergencies with access to experienced medical support services arranged by our Emergency Assistance team, who you can call wherever you are in Malaysia, at any time. ^
Overseas Emergency Medical and Hospital Expenses in Malaysia
This benefit is available to provide protection against the financial burden of unexpected overseas emergency medical and hospital expenses associated with unexpected illness or injuries, incurred by you during your trip to Malaysia. ^
Trip Cancellation Expenses
You can take out a Malaysia travel insurance policy with cancellation cover up to 12 months before you travel. This can come in handy if you want to take measures to help protect the non-refundable bookings you’ve already paid, like flights, accommodation, cruises and tours, if you’re not able to travel to Malaysia due to an unexpected emergency that is covered under the policy.^
Travel Delay Expenses
Bad weather or airline operational issues can throw a spanner in the works on your holiday to Malaysia. This benefit is available to provide cover for reimbursement of reasonable additional meals and accommodation expenses up to $200 for each traveller (excluding dependants) for each 24 hour period if your scheduled transport is delayed for at least 6 hours from the time your transport was scheduled to depart. ^
Luggage and Personal Effects
This benefit is available to provide cover for loss, theft or damage to your luggage and personal belongings such as phones, cameras and laptops while you travel around Malaysia. Conditions including maximum cover limits, sub-limits on how much you can claim for each type of item and the situations in which we would provide cover apply. ^
Optional Extras for your Malaysia Travel Insurance
Fast Cover's optional add-ons allow you to customise your travel insurance policy so you can include cover for a range of activities and adventures in Malaysia.
Adventure Pack
Travellers aged 74 and under at the date of policy issue embarking on adventures throughout Malaysia’s unique landscapes and locations can add on the Adventure Pack for an additional premium to cover an extra list of adrenaline-pumping activities such as hiking between 3000m and 6000m, scuba diving to 30m, tandem skydiving, and more. ^
Motorcycle Pack
Riding a motorcycle is a great way to explore Malaysia, from the bustling streets of Kuala Lumpur to the coastal roads of Langkawi. Travellers aged 74 and under at the date of policy issue who want to ride or be a passenger on a scooter, moped or motorcycle, will need to add the Motorcycle Pack to their Malaysia travel insurance policy. ^
Cruise Cover
If you’re embarking on a cruise holiday in Malaysian waters for 4 nights or more, add our cruise cover to your Malaysia travel insurance policy for additional cover in case of unexpected emergencies on-board the cruise ship and during onshore excursions. ^
Ski and Snow Sports Cover
Whilst it doesn’t typically snow in Malaysia, travellers aged 69 and under at the date of policy issue planning to ski or snowboard in another destination that is part of their international trip can add that destination to their policy and apply for Fast Cover’s ski and snow travel insurance, called the “Snow Sports Plus Policy”, which can provide cover for costs associated with ski and snow sports.^
Specified High Value Items
If you would like to cover your valuable items for more than what they're covered for, you can choose to specify them as a specified high value item. ^
Rental Vehicle Insurance Excess
Renting a car is a great way to explore Malaysia at your own pace. If your rental vehicle is in an accident, damaged or stolen during your trip to Malaysia, Fast Cover can, depending on the policy chosen, provide additional cover of up to $8,000 for the rental vehicle insurance excess component of your rental vehicle insurance with your car hire company. ^
Cover for Existing Medical Conditions
If you have any existing medical conditions, you may be able to apply to include cover for them. Our simple medical screening process can be completed online or over the phone to help you find out if your condition can be covered.
Select Who Needs Cover
Once you've added all travellers, to your policy, you can select those who wish to add cover for any existing medical conditions.
Take a Medical Screening
Answer a few questions online or over the phone about your health history. This helps us determine if your condition can be covered.
Choose to Add Cover
We'll let you know if we can provide cover for any existing medical conditions. You can then choose to add it to your policy.
To find out more about our medical screening process, and how the policy will apply in relation to an existing medical condition, please read and consider the PDS for eligibility criteria, terms, conditions, exclusions, limits and sub limits that apply.
Insurance Cover Options for your Trip to Malaysia
At Fast Cover, we have a range of coverage options available for your trip to Malaysia. The below options are a summary of some of the benefits available under the various policy options, please see the PDS for full details.
Comprehensive Travel Insurance
Comprehensive Travel Insurance is Fast Cover's most popular policy option. It provides the highest level of cover for the widest range of unexpected situations like medical and hospital expenses, overseas emergency medical assistance, accidental death and loss of income. ^
Standard Saver Travel Insurance
The Standard Saver Travel Insurance policy provides many benefits similar to our Comprehensive policy but usually lower limits, such as trip cancellation and trip disruption, as well as relating to your health and luggage and personal belongings when you travel. ^
Basic (Medical Only) Travel Insurance
Our Basic Travel Insurance policy type is a simple way of taking steps to obtain cover for one of the most important things in life - your health. You can also apply to customise your policy and include cover under the luggage and personal effects benefit up to $2000.^
More than one trip? Consider Multi-Trip Travel Insurance for Frequent Travellers
If you travel to Malaysia frequently, you can get a quote for a Frequent Traveller Saver Policy when you take out travel insurance for Malaysia. We can provide cover for an unlimited number of trips in a 12 month period up to a specified number of days each trip.^
Multi-Award Winning Travel Insurance
The Fast Cover team always strives to deliver the best Travel insurance we can for all our travellers. We're very thankful for the Travel Insurance Awards we've received recognising our efforts.
Winner Travel Insurance Award
2024 ProductReview.com.au Awards†
Value for Money
2024 Finder Customer Service Satisfaction Awards†
Travel Insurer of the Year
2023 WeMoney Awards†
The Benefits of Travel Insurance for Malaysia
Depending on the level of cover you take out with our Malaysia travel insurance policy, Fast Cover can provide you with different benefits to suit your travel plans, helping you to better prepare for and deal with unexpected medical and financial circumstances.
Please note: This is only a summary of benefits. Policy terms, conditions, limits, sub limits and exclusions apply to each cover type. Benefit limits shown are for Single and Duo (per person) policies. Pooled Benefits mean that Family policy benefit limits apply for the whole family and are double the corresponding benefit limit under a Single policy, except for certain benefits - please refer to the Product Disclosure Statement for full details. ^Cover under these Benefits are excluded while travelling within Australia.
Medical Benefits |
Basics | Domestic Plus | Standard Saver | Comprehensive | Snow Sports Plus | Frequent Traveller Saver |
|---|---|---|---|---|---|---|
|
Overseas 24/7 Emergency Medical Assistance^ |
Unlimited | ––– | Unlimited | Unlimited | Unlimited | Unlimited |
|
Funeral/cremation Overseas and/or bringing your remains back to Australia (per person) |
$20,000 | $20,000 | $20,000 | $20,000 | $20,000 | |
|
Repatriation of your mortal remains from a Schengen listed country back to Australia (only if you have an approved and valid Schengen visa)(per person) |
$60,000 | ––– | $60,000 | $60,000 | $60,000 | $60,000 |
|
Overseas Emergency Medical & Hospital Expenses^ |
Unlimited | ––– | Unlimited | Unlimited | Unlimited | Unlimited |
|
Overseas Emergency Dental |
$500 | ––– | $750 | $1,000 | $1,000 | $1,000 |
|
Overseas Emergency Evacuation & Repatriation |
Unlimited | ––– | Unlimited | Unlimited | Unlimited | Unlimited |
|
Overseas Hospital Cash Payment^ sub-limits: |
––– | ––– | ––– | $5,000 | $5,000 | $5,000 |
|
Daily Limit (per person) |
$50 | $50 | $50 | |||
|
Accidental Death Travellers Aged 80 to 89: |
––– | $25,000 $20,000 |
––– | $25,000 $20,000 |
$25,000 $20,000 |
$25,000 $20,000 |
|
Accidental Death for travellers up to age 79 |
$25,000 | $25,000 | $25,000 | $25,000 | ||
|
Accidental Death for travellers aged 80 - 89 |
$20,000 | $20,000 | $20,000 | $20,000 | ||
|
Accidental Death of a Dependant (per Dependant) |
$5,000 | $5,000 | $5,000 | $5,000 | ||
|
Permanent Disability^ Travellers Aged 80 to 89: |
––– | ––– | ––– | $50,000 $20,000 |
$50,000 $20,000 |
$25,000 $20,000 |
|
Permanent Disability for travellers up to age 79 |
$50,000 | $50,000 | $25,000 | |||
|
Permanent Disability for travellers aged 80 - 89 |
$20,000 | $20,000 | $20,000 | |||
|
Permanent Disability of a Dependant (per Dependant) |
$5,000 | $5,000 | $5,000 | |||
|
Loss of Income^ sub-limits: |
––– | ––– | ––– | $10,400 | $10,400 | $10,400 |
|
Weekly Limit (per person) - up to 26 weeks |
$400 | $400 | $400 |
Financial Benefits |
Basics | Domestic Plus | Standard Saver | Comprehensive | Snow Sports Plus | Frequent Traveller Saver |
|---|---|---|---|---|---|---|
|
Trip Cancellation Expenses sub-limits: |
––– | Unlimited | $25,000 | Unlimited | Unlimited | Unlimited |
|
Travel Agents Cancellation Fees |
$1,500 | $1,500 | $1,500 | $1,500 | $1,500 | |
|
Close Relatives that do not meet Close relative conditions |
$2,000 | $2,000 | $2,000 | $2,000 | $2,000 | |
|
Personal Liability |
$1,000,000 | $5,000,000 | $2,500,000 | $5,000,000 | $5,000,000 | $5,000,000 |
|
Trip Disruption Expenses sub-limits: |
––– | $50,000 | $30,000 | $50,000 | $50,000 | $50,000 |
|
Close Relatives with a Pre-existing Medical Condition |
$2,000 | $2,000 | $2,000 | $2,000 | $2,000 | |
|
Trip Resumption Expenses |
––– | $3,000 | $2,000 | $3,000 | $3,000 | $3,000 |
|
Luggage & Personal Effects sub-limits: |
Optional up to $2,000 |
$7,500 | $5,000 | $15,000 | $15,000 | $15,000 |
|
Stand-alone personal computers, cameras and video recorders (excluding devices with integrated cameras or recording functions, such as mobile phones, Drones or similar devices) (per item) |
$3,000 | $3,000 | $3,000 | $3,000 | $3,000 | $3,000 |
|
Mobile phones (per item) |
$1,500 | $1,500 | $1,500 | $1,500 | $1,500 | $1,500 |
|
Tablets (per item) |
$1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 |
|
All other unspecified items (per item) |
$750 | $750 | $750 | $750 | $750 | $750 |
|
Luggage and Personal Effects stolen from a Locked Storage Compartment of an unattended vehicle during daylight hours. We will pay up to $200 for each item and $2,000 in total for all stolen items. |
$2,000 | $2,000 | $2,000 | $2,000 | $2,000 | $2,000 |
|
Passports, Credit Cards & Credit Card Fraud^ |
––– | ––– | $2,000 | $5,000 | $5,000 | $5,000 |
|
Special Event Transport Expenses |
––– | $5,000 | ––– | $5,000 | $5,000 | $5,000 |
|
Rental Vehicle Excess sub-limits: |
––– | $5,000 | Optional up to $8,000 |
Optional up to $8,000 |
Optional | Optional |
|
Return of Rental Vehicle |
$500 | $500 | $500 | $500 | $500 | |
|
Travel Delay Expenses sub-limits: |
––– | $2,000 | ––– | $2,000 | $2,000 | $2,000 |
|
Daily Limit (per person) (we will pay up to $200 for each full 24 hours beyond the initial 6 hour delay) |
$200 | $200 | $200 | $200 | ||
|
Delay of Luggage and Personal Effects^ |
––– | ––– | ––– | $750 | $750 | $750 |
|
Theft of Cash^ |
––– | ––– | ––– | $250 | $250 | $250 |
Snow Sports Benefits |
Basics | Domestic Plus | Standard Saver | Comprehensive | Snow Sports Plus | Frequent Traveller Saver |
|---|---|---|---|---|---|---|
|
Snow Sport Equipment |
––– | $1,500 | ––– | ––– | $1,500 | ––– |
|
Snow Equipment Replacement Hire |
––– | $1,500 | ––– | ––– | $1,500 | ––– |
|
Snow Prepaid Expenses |
––– | $750 | ––– | ––– | $750 | ––– |
|
Snow Resort Closure sub-limits: |
––– | $1,000 | ––– | ––– | $1,000 | ––– |
|
Daily Limit (per person) |
$100 | $100 |
COVID-19 Benefits |
Basics | Domestic Plus | Standard Saver | Comprehensive | Snow Sports Plus | Frequent Traveller Saver |
|---|---|---|---|---|---|---|
|
COVID-19 Overseas Emergency Medical, Hospital & Medical Evacuation Expenses |
Unlimited | ––– | Unlimited | Unlimited | Unlimited | Unlimited |
|
Funeral/cremation Overseas and/or bringing your remains back to Australia (per person) |
$20,000 | ––– | $20,000 | $20,000 | $20,000 | $20,000 |
|
Repatriation of your mortal remains from a Schengen listed country back to Australia (only if you have an approved and valid Schengen visa)(per person) |
$60,000 | ––– | $60,000 | $60,000 | $60,000 | $60,000 |
|
COVID-19 Trip Cancellation & Disruption |
––– | $3,500 | $3,000 | $5,000 | $5,000 | $5,000 |
What is Not Covered in our Malaysia Travel Insurance?
It’s important to know not just what your travel insurance covers, but also what it doesn’t, so you can choose the right policy for your needs. As with all policies, many situations and activities will have terms, conditions, exclusions, limits and sub limits that you need to be aware of.
Here are some examples of when cover may not be available. Always check the PDS and TMD to understand the policy terms, conditions, exclusions, limits and sub limits before making your decision.
If you become injured while breaking the law
If you become injured while breaking the law, there are various conditions and exclusions that may apply which means you may not be covered. This could include riding a motorcycle without the required helmet, or while under the influence of drugs or alcohol.
Remember that possession of certain drugs are illegal in Malaysia. Using drugs or selling them can land you in trouble with the law in Malaysia.
If you are intoxicated or have taken illicit drugs
It’s not illegal to have a drink while in Malaysia, but if you’ve drunk alcohol excessively, there are certain exclusions that will likely apply. That means if you’re under the influence of alcohol and you stumble and hurt yourself, you may not have cover under your policy.
Certain drugs are illegal in Malaysia and you may not be covered by your Malaysia travel insurance policy when you’ve taken drugs. Keep in mind that the legal drinking age in Malaysia is 21.
If you do an activity that isn’t covered by your policy
If you’re injured in an accident while for example, riding a moped and you didn’t add the Motorcycle Pack to your Malaysia travel insurance policy, you’ll likely be responsible for paying your medical and hospital expenses because you did not choose to include cover for that under your policy.
It is important to think about what activities you will be participating in so that you have the right cover for the activities you plan to do in Malaysia.
Unsupervised belongings
If something of yours is stolen while unattended or unsupervised, you may not be able to claim for the stolen item. For example: If you leave your bag with your laptop inside it while ordering food at a café, this will be considered leaving your belongings unattended, in which case you may not be covered.
Make sure you keep your belongings with you at all times or keep them in a secure location.
Regular medical or dental check-ups
There are exclusions that apply for regular or routine check-ups or filling regular prescriptions as they are not considered medical emergencies. If you require regular medication, bring enough of what you’ll need for your Malaysian holiday before you leave Australia.
Ignoring official warnings
Should the Australian Government release a warning on Smartraveller that certain areas in Malaysia are no longer safe to travel to and you still choose to travel there anyway, there may be exclusions that will apply such as if you do not follow advice in the mass media where a travel advisory risk rating of Do Not Travel was issued after policy purchase.
Known Events
Known events are serious situations, from natural disasters like flash flooding and landslides during monsoon seasons, to disease outbreaks, which can affect your holiday plans and also the cover on your travel insurance policy for Malaysia.
If you buy your Malaysia travel insurance after an event is deemed a “Known event”, the cover on your policy may be affected. You should check for any Travel Alerts that may have been issued for Malaysia so you know where you stand with regards to the cover that you will have on your Malaysia travel insurance policy.
Disappointing holidays
Perhaps the weather was bad or your accommodation didn’t live up to the pictures online. Whatever the reason you’re unhappy with how your holiday has shaped up, your travel insurance policy for Malaysia is not intended to compensate you because you didn’t enjoy your time there.
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For customers looking to get a quote or buy a policy for Fast Cover policies underwritten by certain underwriters at Lloyd’s, Malaysia is in the Asia region.
Depending on the policy chosen, Travel Insurance for Malaysia can help to better prepare you to deal with unexpected and unforeseen circumstances such as injury or sickness as well as trip cancellation and disruption expenses. One way to prepare for this is by making international travel insurance for Malaysia a priority.
Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.
The cost of travel insurance for Malaysia will vary depending on a person-to-person basis. This is because of various factors, including but not limited to the type of policy you choose for your trip to Malaysia, where you are travelling, the length of your trip, the time between purchase and departure, personal characteristics such as existing medical conditions and age, as well as any add-ons that you choose.
To determine the cost of travel insurance for your upcoming trip to Malaysia, request a quote from Fast Cover today.
Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.
Regardless of the travel insurance policy that you choose for your overseas trip to Malaysia, one important benefit we include with all our international policies is the Overseas Emergency Medical and Hospital Expenses benefit. Since Australia doesn’t have a Reciprocal Health Care Agreement with Malaysia, you’ll likely be responsible for all your medical expenses if you unexpectedly fall sick or are injured while travelling in Malaysia. Having cover for these unexpected medical situations during your travels can potentially save you thousands of dollars.
This benefit provides some protection against the financial burden of unexpected medical emergencies that can happen on your trip to Malaysia, from food poisoning, treatment for a broken bone or emergency surgery for appendicitis. You should be aware that cover isn’t available for all medical expenses, and some of these include (but are not limited to):
•medical emergencies related to your existing medical conditions which aren’t listed as covered on your certificate of insurance,
•planned medical procedures or other non-emergency medical treatments,
• routine medical or dental check-ups,
•injuries sustained from your participation in sport or leisure activities covered under the Adventure Pack or snow sports unless you’ve purchased additional cover for them, and
•your medical expenses once you’ve returned to Australia,
so it’s important to review your policy to understand what is and isn't covered while you're in Malaysia and the terms and conditions that apply.
You can apply for cover for your existing medical conditions and any changes in health and/or new medical conditions you may develop before you leave for Malaysia through a medical screening. Find out more about what we consider to be a medical condition and how you can apply for cover in our Travel Insurance for Existing Medical Conditions page.
As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.
Any advice is general advice only and does not take into account your individual objectives, financial situation or needs. Consider the PDS as eligibility criteria, policy terms, conditions, exclusions and limits apply.
If you are only in transit through Malaysia, you automatically have cover for up to 48 hours. Cover is only available for the countries or region you have selected at the time of purchase and listed on your Certificate of insurance. If you change your travel plans and decide to legally enter Malaysia, you may not be covered under your policy if Malaysia was not selected at the time of purchase and listed on your Certificate of insurance. You can apply to Fast Cover to add Malaysia to your policy to include cover and pay an additional premium.
Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.
Malaysia experiences monsoons with the east cost particularly prone to heavy rain, flooding, and landslides. Urban areas like Kuala Lumpur can also experience flash flooding that can disrupt transport and your travel plans. So, if you’re planning a trip to Malaysia, consider taking out a travel insurance policy as soon as you pay for your flights or accommodation in case you are forced to cancel your trip due to a natural disaster. Keep an eye on our Travel Alerts for Malaysia, travel advisories from Smartraveller and travel warnings from the Australia government.
If you take out a travel insurance policy after the event has occurred, it is unlikely that there will be cover under the policy as the natural disaster will be a known event. The event must have begun after we issued the Certificate of insurance.
Our trip cancellation expenses benefit is available to provide cover for cancellation, delays or rescheduling by a bus line, airline, shipping line or rail authority due to natural disaster.
Our trip disruption expenses benefit is available to provide cover for when your scheduled or connecting transport is cancelled, delayed, shortened or diverted because of a natural disaster.
As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.
Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.
To find the best travel insurance for your trip to Malaysia, you should look for a policy that suits the type of holiday that you're taking and consider the types of activities you will be doing and who you will be travelling with. Before you decide on your Malaysia travel insurance, you should read the PDS to check what the policy will and won’t cover you for, any conditions and exclusions that might apply to you and whether the policy provides the cover that you’re looking for.
Consider purchasing travel insurance for Malaysia when you book or pay for your flights, accommodation and tours. Fast Cover’s cancellation cover allows you to make a claim for trip cancellation expenses for non-refundable bookings you’ve already paid, like flights, accommodation, cruises and tours, if you’re not able to travel to Malaysia due to an unexpected emergency that is covered under your policy.
Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS.
Malaysian river cruises are automatically covered under your Malaysia travel insurance policy so you won’t need to choose Cruise cover, for this type of cruise.
Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.
Malaysia Travel Hub
Discover travel resources, advice and tips for your next holiday to Malaysia.
Malaysia Travel Guide
Malaysia is perfectly located within Asia for a quick shopping trip over the weekend or an extended beach vacation with some of the best scuba diving in the area. Learn about the travel requirements for Malaysia and start planning your trip with Fast Cover’s Malaysia Travel Guide.
What To Pack in Your Carry-on Luggage
Packing for your holiday can be stressful. Learn essential tips on what to pack in your carry on luggage so that you’re prepared for your next trip.
Things you need to know
^ Price as at 27/10/2024 compared to the price calculated today for this policy.
* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply.
^ Disclaimer: Eligibility criteria, policy terms, conditions, exclusions, limits and sub limits apply to all policies. Make sure you consider the PDS and TMD at fastcover.com.au prior to deciding which policy is right for you and your individual needs.
# 25-day money back guarantee applies provided your trip has not started and you have not exercised any rights under the policy (e.g. made a claim or used the policy to obtain a visa).