Thinking of going on your next adventure? How about the land of the rising sun?
Here’s your complete guide to one of Asia’s most exciting and modern travel destinations, Japan. If you’re seeking a unique vacation spot that blends tradition and innovation, Japan should be on your radar! Check out our previous article on top 5 cheapest places to visit for Malaysians in 2025 for more travel ideas. With its bustling cities, historic temples, breathtaking nature, and delicious food, Japan offers an unforgettable experience for travelers. Whether you’re exploring Tokyo’s neon-lit streets, soaking in an onsen in Hakone, or tasting authentic ramen, this guide will help you plan a seamless visit to Japan in 2025.

Why Visit Japan in 2025?

Japan offers Malaysian travelers a fascinating mix of modern cities, ancient traditions, and world-renowned hospitality. Thanks to increased low-cost flight options, getting to Japan has become more affordable than ever. Flights from Kuala Lumpur to Tokyo, Osaka, or Fukuoka are available for as low as RM900–RM1300 round trip on budget airlines. For a stress-free trip, Tune Protect Travel Insurance covers trip cancellations, lost luggage, and medical emergencies.

Cost of Traveling to Japan for Malaysians

Here’s a breakdown of the expected expenses for a trip to Japan in 2025:

✈️ Flight (round trip KL to Japan): RM900 – RM1300
🏨 Accommodation (per night in budget hotels/hostels): RM100 – RM250
🍔 Food (street food & local restaurants per meal): RM15 – RM40
🚗 Transportation (local transport per trip): RM6 – RM20
🛍 Attractions & sightseeing (entry fees & tours per day): RM20 – RM100
🛡 Travel insurance with Tune Protect: RM36

Total estimated daily budget: RM200 – RM400 per day (excluding flights).

Total budget for 7 days: Approximately RM5500

Get Protected with Tune Protect!

Tune Protect is a leading digital insurer offering affordable and innovative insurance solutions designed for today’s travelers. As part of the AirAsia family, Tune Protect specializes in comprehensive travel coverage, including trip cancellations, medical emergencies, lost baggage, and more. With a strong presence across Asia and beyond, we ensure you can travel with peace of mind, knowing you’re protected from unexpected disruptions.

Whether you’re traveling for leisure, business, or adventure, Tune Protect has you covered at a budget-friendly price. Get insured before you go and enjoy a worry-free journey!

🏨 Where to Stay in Japan

Accommodation in Japan is diverse and can fit any budget. Here are some options:

Budget Hotels & Hostels 💲

• Khaosan Tokyo Origami (Tokyo) – From RM100 per night

• Piece Hostel Kyoto – From RM120 per night

Mid-Range Hotels 💲💲

• Sotetsu Fresa Inn Tokyo – From RM200 per night

• APA Hotel Osaka – From RM220 per night

Luxury Hotels 💲💲💲

• Park Hyatt Tokyo – From RM1200 per night

• The Ritz-Carlton Kyoto – From RM1500 per night

🚗 Getting Around Japan

Japan has one of the world’s best transportation systems. Here are affordable ways to move around:

Local Transport

• Subway: RM6 – RM15 per ride

• Buses: RM6 – RM10 per trip

• JR Railways: RM10 – RM40 per trip (depending on distance)

Rail Passes

• JR Pass (7 Days, Nationwide): RM1100 (highly recommended for long-distance travel)

Ride-Hailing Apps

• JapanTaxi, Uber (available in major cities)

🍔 What to Eat in Japan

Japanese cuisine is famous worldwide, and Malaysians will love the diversity and freshness.

Must-Try Japanese Dishes:

• Ramen – RM15 – RM25

• Sushi – RM20 – RM40

• Okonomiyaki (Japanese pancake) – RM15 – RM30

• Takoyaki (Octopus balls) – RM10 – RM20

• Matcha Desserts – RM8 – RM20

Street Food Prices:

• Yakitori (grilled chicken skewers) – RM5 – RM10

• Taiyaki (fish-shaped pastry) – RM6 – RM12

• Japanese crepes – RM10 – RM18

🛍 Top Places to Visit in Japan

1. Tokyo Skytree (Tokyo)
RM70 entry fee – Panoramic views of the city from one of the world’s tallest towers.

2. Fushimi Inari Shrine (Kyoto)
Free entry – Famous for its thousands of iconic red torii gates.

3. Osaka Castle (Osaka)
RM30 entry fee – A stunning historical castle surrounded by a beautiful park.

4. Mount Fuji (Yamanashi)
RM50 (transport to viewing areas) – Japan’s most iconic natural landmark.

5. Arashiyama Bamboo Grove (Kyoto)
Free entry – A magical walk through towering bamboo.

🎪 Events You Shouldn’t Miss

💸 Japan Currency & Exchange Rate

• Currency: Japanese Yen (JPY)

• Exchange Rate: 1 MYR = 32.50 JPY

It’s best to exchange some cash before leaving Malaysia, but ATMs are widely available in Japan. International withdrawal fees may apply.

📱 SIM Cards & Connectivity

Stay connected by getting a local SIM card:

• Japan Travel SIM (IIJmio) – From RM40 for 3GB (valid for 7 days)

• NTT Docomo Prepaid SIM – From RM50 for 5GB (valid for 7 days)

• eSIM options are also available for easy activation.

SIM cards can be bought at airports, electronics stores, or convenience stores.

🛡 The Importance of Travel Insurance

Japan is incredibly safe and efficient, but it’s wise to prepare for the unexpected. Travel insurance protects you from flight delays, medical emergencies, and lost belongings — important especially if you’re traveling during festival seasons or to rural areas.

A good travel insurance plan includes coverage for:

• 💊 Medical emergencies

• 🧳 Lost luggage & personal belongings

• ❌ Trip cancellations

• 🚑 Accidents & injuries

With good insurance like Tune Protect Travel Insurance, you can rest easy knowing you’re covered for these and more. Secure your travel insurance today to enjoy a worry-free trip!

💡 Final Tips for Malaysians Traveling to Japan

✅ Visa: Malaysians can enter Japan visa-free for up to 90 days.
✅ Best Time to Visit: March to May (spring) or October to November (autumn).
✅ Language: Japanese (but English signage is common in major cities).
✅ Packing Tips: Pack for changing weather, comfortable shoes, and bring a portable Wi-Fi device or SIM.

Conclusion

With its mix of tradition, technology, and natural beauty, Japan is an unforgettable destination for Malaysians in 2025. Whether you’re exploring ancient temples, trying fresh sushi, or enjoying high-tech attractions, Japan promises an amazing adventure.

Start planning your trip today, and don’t forget to secure travel insurance with Tune Protect for a safe and enjoyable journey!

Cheapest Travel Insurance Malaysia 2025

Planning a budget-friendly getaway? Here’s your complete guide to one of Southeast Asia’s most affordable travel destinations, The Philippines. If you’re seeking an affordable vacation spot, The Philippines should be on your radar! Check out our previous article on the top 5 cheapest places to visit for Malaysians in 2025 for the full list. With its crystal-clear beaches, vibrant cities, and delicious street food, the Philippines offers an incredible experience at a fraction of the cost of many other countries. Whether you’re strolling through the streets of Manila, relaxing in Boracay, or enjoying the world-famous Filipino cuisine, this guide will help you plan a seamless visit to the Philippines in 2025.

Why Visit The Philippines in 2025?

Not only is the Philippines affordable for Malaysian travelers, but it also boasts a rich cultural heritage, stunning beaches, and amazing natural wonders. Flights from Kuala Lumpur to Manila, Cebu, or Davao are available for as low as RM300–RM500 round trip on budget airlines, making the Philippines an ideal destination for budget-conscious travelers. To travel stress-free, Tune Protect Travel Insurance covers trip cancellations, lost luggage, and medical emergencies.

Cost of Traveling in The Philippines for Malaysians

Here’s a breakdown of the expected expenses for a trip to the Philippines in 2025:

✈️ Flight (round trip KL to the Philippines): RM500 – RM800
🏨 Accommodation (per night in budget hotels/hostels): RM50 – RM120
🍔 Food (street food & local restaurants per meal): RM6 – RM20
🚗 Transportation (local transport per trip): RM3 – RM15
🛍 Attractions & sightseeing (entry fees & tours per day): RM10 – RM70
🛡 Travel insurance with Tune Protect: RM36

Total estimated daily budget: RM120 – RM250 per day (excluding flights).

Total budget for 7 days: Approximately RM2950

Get Protected with Tune Protect!

Tune Protect is a leading digital insurer offering affordable and innovative insurance solutions designed for today’s travelers. As part of the AirAsia family, Tune Protect specializes in comprehensive travel coverage, including trip cancellations, medical emergencies, lost baggage, and more. With a strong presence across Asia and beyond, we ensure you can travel with peace of mind, knowing you’re protected from unexpected disruptions.

Whether you’re traveling for leisure, business, or adventure, Tune Protect has you covered at a budget-friendly price. Get insured before you go and enjoy a worry-free journey!

🏨 Where to Stay in The Philippines

Accommodation in the Philippines is affordable and caters to all budgets. Here are some options:

Budget Hotels & Hostels 💲

• Z Hostel (Manila) – From RM50 per night

• Mad Monkey Hostel (Boracay) – From RM70 per night

Mid-Range Hotels 💲💲

• Red Planet Manila – From RM150 per night

• The Henry Hotel (Cebu) – From RM200 per night

• Alta Vista De Boracay – From RM250 per night

Luxury Hotels 💲💲💲

• Shangri-La Boracay Resort & Spa – From RM950 per night

• Makati Shangri-La Manila – From RM800 per night

🚗 Getting Around The Philippines

Getting around the Philippines is easy and budget-friendly. Here are some transportation options:

Local Transport

• Jeepney: RM3 – RM8 per ride (ideal for short distances)

• Tricycles: RM5 – RM15 per ride

• Buses: RM10 – RM40 per trip (depending on distance)

• MRT (Manila): RM2 – RM10 per trip

Ride-Hailing Apps

• Grab & Angkas: Convenient and affordable, especially for short trips

• Private Drivers: RM150 – RM250 per day for full-day tours

🍔 What to Eat in The Philippines

Filipino food is rich in flavors, with influences from various cultures. Malaysians will enjoy the local dishes, which are delicious and inexpensive.

Must-Try Filipino Dishes:

• Adobo (Marinated Meat Stew) – RM8 – RM15

• Sinigang (Sour Soup) – RM10 – RM18

• Lechon (Roast Pig) – RM15 – RM30

• Pancit (Noodles) – RM6 – RM12

• Halo-Halo (Dessert) – RM6 – RM15

Street Food Prices:

• Fish Balls – RM3 – RM6

• Banana Cue (Caramelized Bananas) – RM5 – RM8

• Filipino Milk Tea – RM4 – RM8

🛍 Top Places to Visit in The Philippines

1. Intramuros (Manila)

RM50 entry fee
Explore Manila’s historic walled city, full of colonial architecture and museums.

2. Boracay Beach

Free entry (boat ride RM30)
Relax on white sand beaches and enjoy watersports in paradise.

3. Chocolate Hills (Bohol)

RM20 entry fee
Marvel at the iconic hills and enjoy the picturesque views.

4. Taal Volcano (Batangas)

RM40 entry fee
Take a boat ride to the volcano island and hike up for incredible views.

5. Banaue Rice Terraces

Free entry (travel costs RM50)
Visit the UNESCO-listed rice terraces in Ifugao.

🎪 Events You Shouldn’t Miss

💸 The Philippines Currency & Exchange Rate

• Currency: Philippine Peso (PHP)
• Exchange Rate: 1 MYR = 13.50 PHP

Exchanging currency in Malaysia offers better rates, but you can also withdraw pesos from ATMs in major cities. International ATM withdrawal fees may apply.

📱 SIM Cards & Connectivity

Stay connected while traveling by getting a local SIM card for your phone:

• Globe Traveller SIM – From RM20 for 3GB (valid for 7 days)

• Smart Prepaid SIM – From RM25 for 5GB (valid for 7 days)

• Sun Cellular Tourist SIM – From RM30 for 7GB (valid for 10 days)

These SIM cards can be bought at airports, convenience stores, or mobile shops across The Philippines.

🛡 The Importance of Travel Insurance

Traveling in The Philippines can be exciting and affordable, but it’s important to be prepared for the unexpected. From flight delays to lost luggage and even medical emergencies, travel insurance ensures you’re covered. Activities like hiking and island hopping come with inherent risks, so it’s important to have protection.

A good travel insurance plan includes coverage for:

• 💊 Medical emergencies

• 🧳 Lost luggage & personal belongings

• ❌ Trip cancellations

• 🚑 Accidents & injuries

With good insurance like Tune Protect Travel Insurance, you can rest easy knowing you’re covered for these and more. Secure your travel insurance today to enjoy a worry-free trip!

💡 Final Tips for Malaysians Traveling to The Philippines

✅ Visa: Malaysians can enter the Philippines visa-free for 30 days.
✅ Best Time to Visit: December to May (dry season).
✅ Language: Filipino (but English is widely spoken in tourist areas).
✅ Packing Tips: Lightweight clothes, sunscreen, insect repellent, and a power adapter.

Conclusion

With its affordable travel options, natural beauty, and diverse cultural experiences, the Philippines is the perfect destination for Malaysians in 2025. Whether you’re seeking adventure, relaxation, or cultural immersion, The Philippines has something to offer every type of traveler.

Start planning your trip today, and don’t forget to get travel insurance with Tune Protect for a hassle-free experience!

Cheapest Travel Insurance Malaysia 2025

Looking for a destination filled with emerald rice terraces, dramatic coastlines, rich history, and unforgettable food—without emptying your wallet? Vietnam is your answer. From the buzzing streets of Hanoi to the lantern-lit charm of Hoi An and the breathtaking bays of Ha Long, Vietnam delivers incredible experiences for every kind of traveler. Thinking about your next trip? Don’t miss our article on the Top 5 Cheapest Places to Visit for Malaysians 2025.

🇻🇳 Why Visit Vietnam in 2025?

Vietnam offers a beautiful blend of ancient traditions, French colonial charm, breathtaking natural wonders, and one of the most exciting street food cultures in the world. From exploring centuries-old temples and bustling night markets to cruising through Ha Long Bay or wandering the lantern-lit streets of Hoi An, every corner of Vietnam tells a story. For Malaysian travelers, it’s an especially attractive destination—thanks to affordable travel costs, visa-free entry for up to 30 days, and a cuisine that feels both new and comfortingly familiar. And with Tune Protect Travel Insurance, you can explore confidently, knowing you’re covered against unexpected hiccups like flight delays, medical emergencies, and lost baggage.

🗺 Cost of Traveling in Vietnam for Malaysians

Here’s a breakdown of the expected expenses for a 7-day trip to Vietnam in 2025:

✈️ Flight (KL to Hanoi/Ho Chi Minh return): RM550
🏨 Accommodation (7 nights): RM700 (RM100/night)
🍜 Food & Drinks: RM441 (RM21/meal x 3 x 7)
🚗 Local Transport: RM140 (RM20/day)
🎟 Attractions & Tours: RM280 (RM40/day)
📱 SIM Card & Connectivity: RM15
🧾 Buffer/Shopping/Souvenirs: RM453
🛡 Travel Insurance (Tune Protect): RM36

Total estimated daily budget: RM170 – RM210

Total budget for 7 days: Approximately RM2615

Get Protected with Tune Protect!

Tune Protect is a leading digital insurer offering affordable and innovative insurance solutions designed for today’s travelers. As part of the AirAsia family, Tune Protect specializes in comprehensive travel coverage, including trip cancellations, medical emergencies, lost baggage, and more. With a strong presence across Asia and beyond, we ensure you can travel with peace of mind, knowing you’re protected from unexpected disruptions.

Whether you’re traveling for leisure, business, or adventure, Tune Protect has you covered at a budget-friendly price. Get insured before you go and enjoy a worry-free journey!

🏨 Where to Stay in Vietnam

Here are some accommodation options in Vietnam in all price ranges:

Budget Options

• Nexy Hostel (Hanoi) – from RM38/night

• DaBlend Hostel (Ho Chi Minh City) – from RM42/night

Mid-Range Options

• La Siesta Hotel (Hanoi) – from RM138/night

• Hoi An Sincerity Hotel – from RM127/night

Luxury Options

• Fusion Maia Da Nang – from RM1,320/night

• Sofitel Legend Metropole Hanoi – from RM1,650/night

🚗 Getting Around Vietnam

Here are some transportation options available in Vietnam:

• Grab / Gojek Rides: RM3 – RM15

• Local Bus: RM0.80 – RM2

• Intercity Bus (e.g., Hanoi to Hoi An): RM80 – RM150

• Domestic Flights: RM188 – RM376

• Scooter Rental: RM24 – RM47/day

• Train (e.g., Da Nang to Hanoi): RM100 – RM200

🍔 What to Eat in Vietnam

Street food is everywhere, tasty, and super affordable—perfect for Malaysians who love bold flavors.

Must-Try Local Dishes

• Pho (Noodle Soup): RM6 – RM10
• Banh Mi (Vietnamese Sandwich): RM4 – RM9
• Bun Cha (Grilled Pork & Noodles): RM8 – RM15
• Goi Cuon (Spring Rolls): RM6 – RM10
• Ca Phe Sua Da (Vietnamese Iced Coffee): RM4 – RM6

🛍 Top Places to Visit in Vietnam

1. Hanoi

Vietnam’s capital is a blend of centuries-old temples, bustling Old Quarter streets, and French colonial architecture. Don’t miss:

• Hoan Kiem Lake

• Temple of Literature

• Train Street

• Night Market in the Old Quarter

2. Halong Bay

A UNESCO World Heritage Site, known for its emerald waters and towering limestone islands. Take a:

• Day cruise or overnight junk boat

• Kayaking or cave exploration tour

3. Ho Chi Minh City (Saigon)

A fast-paced city full of history, street food, and rooftop cafes. Top spots:

• Cu Chi Tunnels

• Ben Thanh Market

• Notre-Dame Cathedral Basilica of Saigon

• War Remnants Museum

4. Hoi An

A charming ancient town with lantern-lit nights, riverside cafes, and tailor shops. Things to enjoy:

• Hoi An Night Market

• Cooking classes

• An Bang Beach

5. Da Nang

A coastal city popular for its beaches and dramatic bridges:

• My Khe Beach

• Marble Mountains

• Golden Bridge at Ba Na Hills (famous for the giant hands)

🎪 Can’t-Miss Festivals in 2025

💸 Vietnam Currency & Exchange Rate

• Currency: Vietnamese Dong (VND)
• Exchange Rate: RM1 ≈ 5,200 VND (subject to current rates)

ATMs are widely available and money changers are reliable in major cities.

📱 SIM Cards & Connectivity

Prepaid SIM cards in Vietnam are cheap and easy to get:

• Viettel Tourist SIM – RM15 (6GB, valid 7 days)

• Vinaphone – RM14 (5GB)

• Mobifone – RM17 (7GB)

These SIM cards can be bought at airports, convenience stores, or mobile shops across Vietnam.

🛡 The Importance of Travel Insurance

Traveling in The Philippines can be exciting and affordable, but it’s important to be prepared for the unexpected. From flight delays to lost luggage and even medical emergencies, travel insurance ensures you’re covered. Activities like hiking and island hopping come with inherent risks, so it’s important to have protection.

A good travel insurance plan includes coverage for:

• 💊 Medical emergencies

• 🧳 Lost luggage & personal belongings

• ❌ Trip cancellations

• 🚑 Accidents & injuries

With good insurance like Tune Protect Travel Insurance, you can rest easy knowing you’re covered for these and more. Secure your travel insurance today to enjoy a worry-free trip!

💡 Final Tips for Malaysians Traveling to The Philippines

✅ Visa: 30-day visa-free stay for Malaysians
✅ Best Time to Visit: March–May and September–November (cool and dry)
✅ Language: Vietnamese (English widely spoken in tourist areas)
✅ Packing Tips: Light clothes, sunblock, insect repellent, power adapter

Conclusion

With stunning landscapes, delicious food, and low daily costs, Vietnam is a paradise for budget-savvy travelers. From scenic boat rides to street food tours in Hanoi, every day offers something new without breaking the bank. Add Tune Protect Travel Insurance to your travel checklist and enjoy peace of mind as you explore Vietnam’s beauty, culture, and adventure safely and confidently.

Cheapest Travel Insurance Malaysia 2025

Looking for a destination that offers pristine beaches, breathtaking landscapes, vibrant cultures, and amazing food—without breaking your budget? Welcome to Indonesia, Southeast Asia’s largest archipelago and one of the best-value destinations in the world. Indonesia is not only the land of Bali, but also home to Komodo dragons, ancient temples, active volcanoes, and over 17,000 islands waiting to be explored. Already researching affordable getaways? Make sure to check our article on Top 5 Cheapest Places to Visit for Malaysians 2025.

🇮🇩 Why Visit Indonesia in 2025?

From world-class surfing in Bali and diving in Raja Ampat to cultural explorations in Yogyakarta and street food adventures in Jakarta—Indonesia has something for every kind of traveler. And with favorable exchange rates and low daily expenses, it’s one of the most cost-effective travel destinations. Protect your trip with Tune Protect Travel Insurance to enjoy your adventure stress-free.

🗺 Cost of Traveling in Indonesia for Malaysians

Here’s a breakdown of the expected expenses for a trip to Indonesia in 2025:

✈️ Flight (round trip KL to Jakarta/Denpasar) RM500 – RM800
🏨 Accommodation (budget to mid-range) RM70 – RM150 / night
🍔 Food (street food & local meals) RM8 – RM20 / meal
🚗 Transportation (per day) RM10 – RM25
🛍 Attractions & tours (per day) RM15 – RM60
🛡 Travel insurance with Tune Protect RM36

Total estimated daily budget: RM140 – RM220

Total budget for 7 days: Approximately RM2581

Get Protected with Tune Protect!

Tune Protect is a leading digital insurer offering affordable and innovative insurance solutions designed for today’s travelers. As part of the AirAsia family, Tune Protect specializes in comprehensive travel coverage, including trip cancellations, medical emergencies, lost baggage, and more. With a strong presence across Asia and beyond, we ensure you can travel with peace of mind, knowing you’re protected from unexpected disruptions.

Whether you’re traveling for leisure, business, or adventure, Tune Protect has you covered at a budget-friendly price. Get insured before you go and enjoy a worry-free journey!

🏨 Where to Stay in Indonesia

Here are some accommodation options in Indonesia in all price ranges:

Budget Options

• M Boutique Hostel (Jakarta) – from RM38/night

• The Island Hotel Bali – from RM56/night

Mid-Range Options

• Ibis Styles Yogyakarta – from RM141/night

• Grand Zuri Hotel (Palembang) – from RM132/night

Luxury Options

• Alila Villas Uluwatu – from RM1,410/night

• Capella Ubud – from RM1,880/night

🚗 Getting Around Indonesia

Here are some transportation options available in Indonesia:

• Gojek / Grab Ride: RM2 – RM14
• Busway (Jakarta): RM1.40
• Intercity Bus / Train: RM24 – RM118
• Domestic Flight: RM141 – RM376
• Scooter Rental: RM24 – RM47
• Private Driver: RM188 – RM330

🍔 What to Eat in Indonesia

Filipino food is rich in flavors, with influences from various cultures. Malaysians will enjoy the local dishes, which are delicious and inexpensive.

Must-Try Local Dishes

• Nasi Goreng (Fried Rice) – RM7 – RM14
• Satay (Grilled Skewers) – RM9 – RM19
• Gado-Gado (Veggie Salad w/ Peanut Sauce) – RM7 – RM14
• Rendang (Spicy Beef Curry) – RM12 – RM24
• Martabak (Stuffed Pancake) – RM9 – RM14

Street Food Prices

• Bakso (Meatball Soup) – RM4.70 – RM9.40
• Es Cendol (Iced Dessert) – RM3.80 – RM7
• Teh Botol (Sweet Tea) – RM2.80

🛍 Top Places to Visit in Indonesia

1. Bali

Beaches, temples, yoga retreats, nightlife

2. Yogyakarta

Borobudur Temple, Prambanan, local arts

3. Komodo National Park

Pink beaches & Komodo dragons

4. Mount Bromo

Sunrise views from an active volcano

5. Raja Ampat

Best diving and marine biodiversity in the world

🎪 Can’t-Miss Festivals in 2025

💸 Indonesia Currency & Exchange Rate

• Currency: Indonesian Rupiah (IDR)

• Exchange Rate: RM1 ≈ 3,200 IDR (subject to current rates)

ATMs are widely available and money changers are reliable in major cities.

📱 SIM Cards & Connectivity

Prepaid SIM cards are easily available in Indonesia:

• Telkomsel Tourist SIM – RM19 (5GB)
• XL Axiata – RM14 (4GB)
• Indosat – RM21 (6GB)

These SIM cards can be bought at airports, convenience stores, or mobile shops across Indonesia.

🛡 The Importance of Travel Insurance

Traveling in The Philippines can be exciting and affordable, but it’s important to be prepared for the unexpected. From flight delays to lost luggage and even medical emergencies, travel insurance ensures you’re covered. Activities like hiking and island hopping come with inherent risks, so it’s important to have protection.

A good travel insurance plan includes coverage for:

• 💊 Medical emergencies

• 🧳 Lost luggage & personal belongings

• ❌ Trip cancellations

• 🚑 Accidents & injuries

With good insurance like Tune Protect Travel Insurance, you can rest easy knowing you’re covered for these and more. Secure your travel insurance today to enjoy a worry-free trip!

💡 Final Tips for Malaysians Traveling to Indonesia

✅ Visa: Visa-free or Visa on Arrival for Malaysians (up to 30 days)
✅ Best Time to Visit: May – October (dry season)
✅ Language: Bahasa Indonesia (closely related to Bahasa Malaysia)
✅ Packing tips: Light clothing, sunblock, insect repellent, travel adapter

Conclusion

Indonesia in 2025 offers a rare combination of affordability, beauty, and adventure. Whether you’re traveling with friends, solo, or as a family, it’s a destination that rewards curiosity. Let Tune Protect Travel Insurance give you the peace of mind you need to explore freely and safely.

Cheapest Travel Insurance Malaysia 2025

Planning a trip on a budget? Here’s a full guide to one of Asia’s cheapest travel destinations.

If you’re looking for the cheapest country to travel to from Malaysia, Thailand should be at the top of your list! Read our previous article to see the top 5 cheapest places to travel for Malaysians in 2025. With its stunning beaches, bustling cities, delicious street food, and budget-friendly prices, Thailand travel offers an unforgettable experience without breaking the bank. Whether you’re exploring the vibrant streets of Bangkok, relaxing on the beaches of Phuket, or indulging in authentic Thai cuisine, this travel guide will help you plan your visit to Thailand in 2025 with ease.

Why Visit Thailand in 2025?

Thailand is not only affordable for Malaysian travellers, but it is also a country filled with cultural heritage, breathtaking landscapes, and exciting nightlife. With flights from Kuala Lumpur to Bangkok, Phuket, or Chiang Mai available for as low as RM200–RM400 round trip on budget airlines, Thailand is the perfect budget-friendly getaway for Malaysians. To travel with peace of mind, Tune Protect Travel Insurance provides coverage for trip cancellations, lost luggage, and medical emergencies.

Cost of Traveling in Thailand for Malaysians

Here’s a breakdown of how much you need to budget for a Thailand trip in 2025:

• ✈️ Flight (round trip KL to Thailand): RM500 – RM800
• 🏨 Accommodation (per night in budget hotels/hostels): RM40 – RM100
• 🍔 Food (street food & local restaurants per meal): RM5 – RM20
• 🚗 Transportation (local transport per trip): RM2 – RM10
• 🛍 Attractions & sightseeing (entry fees & tours per day): RM10 – RM80
• 🛡 Travel insurance with Tune Protect: RM36

Total estimated daily budget: RM100 – RM250 per day (excluding flights).

Total budget for 7 days: Approximately RM1980

Get Protected with Tune Protect!

Tune Protect is a leading digital insurer offering affordable and innovative insurance solutions designed for today’s travelers. As part of the AirAsia family, Tune Protect specializes in comprehensive travel coverage, including trip cancellations, medical emergencies, lost baggage, and more. With a strong presence across Asia and beyond, we ensure you can travel with peace of mind, knowing you’re protected from unexpected disruptions.

Whether you’re traveling for leisure, business, or adventure, Tune Protect has you covered at a budget-friendly price. Get insured before you go and enjoy a worry-free journey!

🏨 Where to Stay in Thailand

Accommodation in Thailand is incredibly affordable, especially for budget travellers. Here are some recommended options:

Budget Hotels & Hostels 💲

• Lub d Bangkok Siam Hostel (Bangkok) – From RM40 per night
• Bodega Hostel (Phuket & Chiang Mai) – From RM50 per night
• Nappark Hostel (Bangkok) – From RM45 per night

Mid-Range Hotels 💲💲

• Rambuttri Village Plaza (Bangkok) – From RM120 per night
• Patong Mansion Hotel (Phuket) – From RM150 per night

Luxury Hotels 💲💲💲

• Mandarin Oriental Bangkok – From RM800 per night
• Banyan Tree Phuket – From RM900 per night

🚗 Getting Around Cambodia

Transportation in Thailand is cheap and convenient. Here are the best options:

Local Transport

• Tuk-Tuk: RM5 – RM15 per ride (great for short distances)
• Motorbike Rental: RM25 – RM50 per day
• Buses & BTS Skytrain (Bangkok): RM2 – RM10 per trip

Ride-Hailing Apps

• Grab & Bolt: Affordable and safer than traditional tuk-tuks
• Private Drivers: RM120 – RM180 per day for a full-day tour

🍔 What to Eat in Thailand

Food is one of the highlights of a visit to Thailand. Malaysian travellers will love the local dishes, which are flavorful and affordable.

Must-Try Thai Dishes:

• Pad Thai (Stir-Fried Noodles) – RM8 – RM15
• Tom Yum Goong (Spicy Shrimp Soup) – RM10 – RM18
• Som Tam (Papaya Salad) – RM5 – RM12
• Mango Sticky Rice – RM8 – RM15
• Thai BBQ & Hot Pot – RM20 – RM50

Street Food Prices

• Grilled Satay – RM3 – RM6
• Coconut Ice Cream – RM5 – RM8
• Thai Milk Tea – RM3 – RM6

🛍 Top Places to Visit in Thailand

1. The Grand Palace & Wat Phra Kaew (Bangkok) – RM50 entry fee

Explore Thailand’s most iconic landmark and its stunning architecture.

2. Phi Phi Islands (Phuket) – RM100 for an island-hopping tour

Relax on crystal-clear beaches and enjoy snorkeling adventures.

3. Chiang Mai Night Bazaar – Free entry (shopping budget RM20+)

Experience a lively night market with unique souvenirs and delicious street food.

4. Floating Markets (Bangkok & Pattaya) – RM20 for a boat ride

Enjoy a traditional Thai shopping experience on the water.

5. Railay Beach (Krabi) – Free entry (boat ride RM30)

A hidden paradise with stunning limestone cliffs and pristine beaches.

💸 Thailand Currency & Exchange Rate

• Currency: Thai Baht (THB)
• Exchange Rate: 1 MYR = 8 THB

It is advisable to exchange currency in Malaysia for better rates or use money changers in major cities like Bangkok and Phuket. ATMs are widely available, but international withdrawal fees may apply.

📱 SIM Cards & Connectivity

Staying connected is essential while traveling. Here are the best options for Malaysian travelers:

• AIS Traveller SIM – Starts from RM20 for 5GB data (valid for 7 days)
• TrueMove Tourist SIM – Starts from RM25 for 8GB data (valid for 8 days)
• Dtac Happy Tourist SIM – Starts from RM30 for 10GB data (valid for 10 days)

These SIM cards can be purchased at airports, convenience stores, or mobile shops in Thailand.

🛡 The Importance of Travel Insurance

While Thailand is an exciting and affordable destination, unexpected situations can occur during your trip. You might face flight delays, lost luggage, or even medical emergencies due to food poisoning or accidents while sightseeing. Additionally, island-hopping tours and adventurous activities like hiking or snorkeling come with risks of injury or theft.

A good travel insurance plan covers:

💊 Medical emergencies

🧳 Lost luggage & personal belongings

❌ Trip cancellations

🚑 Accidents & injuries

A good option for travel insurance is Tune Protect Travel Insurance. With Tune Protect, you’ll have comprehensive coverage for medical expenses, trip cancellations, lost belongings, and emergency assistance, ensuring a worry-free journey. For a small price, you can enjoy your Thailand trip with complete peace of mind!

💡 Final Tips for Malaysians Traveling to Thailand

✅ Visa: Malaysians can enter Thailand visa-free for 30 days.

✅ Best Time to Visit: November to April (cool & dry season).

✅ Language: Thai (but English is widely spoken in tourist areas).

✅ Packing Tips: Lightweight clothes, sunscreen, insect repellent, and a power adapter.

Conclusion

With its affordability, breathtaking landscapes, and diverse attractions, Thailand is the best budget-friendly destination for Malaysians in 2025. Whether you’re a solo backpacker, a couple on a romantic getaway, or a family looking for an exciting vacation, Thailand travel has something for everyone.

Start planning your trip today and experience Thailand like never before. Don’t forget to get travel insurance with Tune Protect for a worry-free trip!

Cheapest Travel Insurance Malaysia 2025

Looking for the cheapest country to travel to from Malaysia? Cambodia should be at the top of your list! With its rich history, stunning temples, delicious food, and budget-friendly prices, Cambodia travel offers an unforgettable experience without burning a hole in your wallet. Cambodia emerged at the top of cheapest places to visit by Malaysians in our previous article. Whether you’re exploring the magnificent Angkor Wat, cruising along the Mekong River, or enjoying authentic Cambodian street food, this travel guide will help you plan your visit to Cambodia in 2025 with ease.

Why Visit Cambodia in 2025?

Cambodia is not only affordable for Malaysian travellers, but it is also a country filled with vibrant culture, historical wonders, and breathtaking landscapes. With flights from Kuala Lumpur to Phnom Penh or Siem Reap available for as low as RM300–RM500 round trip on budget airlines, Cambodia is the perfect budget-friendly getaway for Malaysians. To travel with peace of mind, Tune Protect Travel Insurance provides coverage for trip cancellations, lost luggage, and medical emergencies.

Cost of Traveling in Cambodia for Malaysians

Here’s a breakdown of how much you need to budget for a Cambodia trip in 2025:

• ✈️ Flight (round trip KL to Cambodia): RM300 – RM500
• 🏨 Accommodation (per night in budget hotels/hostels): RM30 – RM80
• 🍔 Food (street food & local restaurants per meal): RM5 – RM15
• 🚗 Transportation (local transport per trip): RM1 – RM5
• 🛍 Attractions & sightseeing (entry fees & tours per day): RM10 – RM50
• 🛡 Travel insurance with Tune Protect: RM36

Total estimated daily budget: RM100 – RM200 per day (excluding flights).

Total budget for 7 days: Around RM1960

Get Protected with Tune Protect!

Tune Protect is a leading digital insurer that offers innovative and affordable insurance solutions tailored to modern travelers. Backed by AirAsia, Tune Protect specializes in travel insurance, providing comprehensive coverage for trip cancellations, medical emergencies, lost baggage, and more. With a strong presence across Asia and beyond, Tune Protect ensures that travelers can explore the world with confidence, knowing they are protected against unexpected disruptions. Whether you’re traveling for leisure, business, or adventure, Tune Protect Travel Insurance offers peace of mind at an affordable price.

Before you travel, ensure you’re covered with Tune Protect Travel Insurance. Travel worry-free with comprehensive protection!

🏨 Where to Stay in Cambodia

Accommodation in Cambodia is incredibly affordable, especially for budget travellers. Here are some recommended options:

Budget Hotels & Hostels 💲

• Mad Monkey Hostel (Phnom Penh & Siem Reap) – From RM30 per night
• Onederz Hostel (Siem Reap) – From RM25 per night

Mid-Range Hotels 💲💲

• Angkor Paradise Hotel (Siem Reap) – From RM120 per night
• Okay Boutique Hotel (Phnom Penh) – From RM150 per night

Luxury Hotels 💲💲💲

• Sofitel Angkor Phokeethra Golf & Spa Resort – From RM500 per night
• Raffles Hotel Le Royal Phnom Penh – From RM600 per night

🚗 Getting Around Cambodia

Transportation in Cambodia is cheap and convenient. Here are the best options:

Local Transport

• Tuk-Tuk: RM4 – RM10 per ride (great for short distances)
• Motorbike Rental: RM20 – RM40 per day
• Buses: RM15 – RM30 for intercity travel

Ride-Hailing Apps

• Grab & PassApp: Affordable and safer than traditional tuk-tuks
• Private Drivers: RM100 – RM150 per day for a full-day tour

🍔 What to Eat in Cambodia

Food is one of the highlights of a visit to Cambodia. Malaysian travellers will love the local dishes, which are delicious and affordable.

Must-Try Cambodian Dishes:

• Amok (Fish Curry in Banana Leaves) – RM10 – RM15
• Lok Lak (Stir-fried Beef) – RM8 – RM12
• Bai Sach Chrouk (Pork with Rice) – RM5 – RM8
• Khmer BBQ (Grilled Meats & Seafood) – RM15 – RM30
• Nom Banh Chok (Khmer Noodles) – RM3 – RM6

Street Food Prices

• Spring Rolls – RM2 – RM5
• BBQ Skewers – RM3 – RM6
• Fresh Coconut Drink – RM3 – RM5

🛍 Top Places to Visit in Cambodia

1. Angkor Wat (Siem Reap) – RM160 for a 1-day pass

Explore the world-famous temple complex and witness the breathtaking sunrise at Angkor Wat.

2. Phnom Penh Royal Palace – RM25 entry fee

Discover the beautiful architecture and history of Cambodia’s royal family.

3. Killing Fields & Tuol Sleng Genocide Museum – RM20 entry fee

Learn about Cambodia’s tragic history under the Khmer Rouge regime.

4. Tonlé Sap Lake Floating Villages – RM40 for a boat tour

Visit the fascinating floating villages and witness local life on Southeast Asia’s largest freshwater lake.

5. Kampot & Kep – RM10 – RM30 for local transport

Enjoy the scenic riverside town of Kampot and the fresh seafood in Kep.

💸 Cambodia Currency & Exchange Rate

• Currency: Cambodian Riel (KHR) & US Dollar (USD)
• Exchange Rate: 1 USD = ~RM4.70

Money Tips:

• USD is widely used, especially for hotels and restaurants.
• Keep small USD bills for easier transactions.
• ATMs dispense both USD and KHR.

📱 SIM Cards & Connectivity

Staying connected in Cambodia is easy and affordable. You can purchase a prepaid SIM card upon arrival at the airport or in local convenience stores.

Best SIM Cards for Tourists:

• Smart Axiata – RM15 for 10GB (valid for 7 days)
• Metfone – RM10 for 8GB (valid for 7 days)
• Cellcard – RM20 for 15GB (valid for 14 days)

Where to Buy:

• Airports (Phnom Penh & Siem Reap)
• Local convenience stores
• Official telco shops

Tip: Ensure your phone is unlocked before buying a Cambodian SIM card!

🛡 Travel Insurance: Why You Need It

While Cambodia is an amazing and budget-friendly destination, unexpected situations can arise during your trip. You might experience flight delays, lost luggage, or even medical emergencies due to food poisoning or accidents while exploring. Additionally, visiting attractions like Angkor Wat or taking boat tours on Tonlé Sap Lake carries risks of injury or theft.

Travel insurance plan covers:

💊 Medical emergencies

🧳 Lost luggage & personal belongings

❌ Trip cancellations

🚑 Accidents & injuries

A great choice for Travel Insurance is Tune Protect Travel Insurance. you’ll have comprehensive coverage for medical expenses, trip cancellations, lost belongings, and emergency assistance, ensuring a worry-free journey. For just a small fee, you can enjoy peace of mind and focus on making unforgettable memories in Cambodia!

💡 Final Tips for Malaysians Traveling to Cambodia

✅ Visa: Malaysians can enter Cambodia visa-free for 30 days.

✅ Best Time to Visit: November to March (cool & dry season).

✅ Language: Khmer (but English is widely spoken in tourist areas).

✅ Packing Tips: Lightweight clothes, sunscreen, insect repellent, and a power adapter.

Conclusion

With its affordability, stunning landscapes, and rich history, Cambodia is the best budget-friendly destination for Malaysians in 2025. Whether you’re a solo backpacker, a couple on a romantic getaway, or a family looking for an adventurous trip, Cambodia travel has something for everyone. Start planning your trip today and make sure to get good travel insurance like Tune Protect to explore Cambodia stress-free!

Cheapest Travel Insurance Malaysia 2025

Malaysian travelers are drawn to short and mid-haul trips, with Southeast Asian countries being among the top outbound destinations. (Source: TTR Weekly). With over 9 million Malaysians traveling abroad annually, the quest for affordable yet enriching travel experiences is on the rise. In 2025, the trend continues with Southeast Asia and neighboring countries offering some of the most budget-friendly options. Here are the top 5 cheapest places to travel in 2025, complete with currency exchange rates, interesting facts, and must-visit attractions.

Here are the top 5 cheapest places to travel to by Malaysians in 2025:

5. The Philippines: A Tropical Haven 🇵🇭

Imagine yourself on a pristine beach, surrounded by crystal-clear waters and lush green forests. The Philippines offers a tropical paradise experience, with its stunning islands and vibrant culture, all at an affordable price.

💰 Currency Exchange Rate: 1 PHP = approximately 0.07653 MYR.

💡 Interesting Facts: The Philippines is famous for its beautiful beaches and vibrant culture.

🚕 Top Attractions:

• Boracay: Known for its white-sand beaches.
• Palawan: Explore El Nido and the Underground River.
• Cebu: Visit the historic Magellan’s Cross.

💸 Cost: Round-trip flights can cost between RM500-RM800, with an average daily cost of RM323.

Cost of Travel Insurance: Buy Basic Travel protection from Tune Insurance for as cheap as RM36 for a single adult.

Total Cost for 7 days : RM 2,947

4. Vietnam: The Hidden Gem of Southeast Asia 🇻🇳

Imagine waking up to the sound of motorbikes buzzing through the streets of Hanoi, sipping on a steaming cup of Vietnamese coffee, and exploring the majestic limestone karsts of Ha Long Bay. Vietnam is a treasure trove of natural beauty, rich history, and vibrant culture, all at an affordable price.

💰 Currency Exchange Rate: 1 MYR = approximately 5,758 VND.

💡 Interesting Facts: Vietnam is known for its stunning natural beauty, from the limestone karsts of Ha Long Bay to the vibrant city life of Hanoi and Ho Chi Minh City.

🚕 Top Attractions:

• Halong Bay: A UNESCO World Heritage Site featuring over 1,600 islands and islets.
• Da Nang: Famous for its beaches and nearby ancient town of Hoi An.
• Hue Imperial City: Rich in history with its Forbidden Purple City.

💸 Cost: Round-trip flights can cost between RM400-RM600, with an average daily cost of RM297.

Cost of Travel Insurance: Tune Insurance offers Basic Travel protection for as cheap as RM36 for a single adult.

Total Cost for 7 days : RM 2,615

3. Indonesia: A Tropical Paradise 🇮🇩

Step into the enchanting world of Indonesia, where the scent of frangipani fills the air, and the sound of gamelan music echoes through the temples. From the sun-kissed beaches of Bali to the ancient temples of Yogyakarta, Indonesia offers a diverse and affordable travel experience.

💰 Currency Exchange Rate: 1 IDR = approximately 0.000273 MYR.

💡 Interesting Facts: Indonesia is the world’s largest archipelago, offering diverse landscapes and cultures across its islands.

🚕 Top Attractions:

• Bali: Known for its beaches, temples, and vibrant culture.
• Yogyakarta: Home to the ancient temples of Borobudur and Prambanan.
• Raja Ampat: A diver’s paradise in West Papua.

💸 Cost: Round-trip flights can cost between RM250-RM500, with an average daily cost of RM310.

Cost of Travel Insurance: You can get Basic Travel protection from Tune Insurance for as cheap as RM36 for a single adult.

Total Cost for 7 days : RM 2,581

2. Thailand: The Land of Smiles 🇹🇭

Thailand, a kingdom of golden temples, bustling markets, and delectable street food, beckons you with its warm hospitality. Whether you’re exploring the bustling streets of Bangkok or relaxing on the beaches of Phuket, Thailand offers an unforgettable experience at an affordable price.

💰Currency Exchange Rate: 1 THB = approximately 0.131 MYR.

💡 Interesting Facts: Thailand is renowned for its street food, temples, and bustling cities like Bangkok and Chiang Mai.

🚕 Top Attractions:

• Bangkok: Explore the Grand Palace and Wat Pho.
• Chiang Mai: Visit Doi Suthep Temple and enjoy the Yi Peng Lantern Festival.
• Phuket: Famous for its beaches and nightlife.

💸 Cost: Round-trip flights can cost between RM500-RM800, with an average daily cost of RM185.

Cost of Travel Insurance: Include Basic Travel protection from Tune Insurance for as cheap as RM36 for a single adult.

Total Cost for 7 days : RM 1981

1. Cambodia: The Ancient Kingdom 🇰🇭

Step into the mystical world of Cambodia, where the ancient stones of Angkor Wat whisper tales of a bygone era. With its rich history, vibrant culture, and affordable prices, Cambodia is a must-visit destination for any traveler.

💰 Currency Exchange Rate: 1 MYR = approximately 904.8 KHR.

💡Interesting Facts: Cambodia is home to the magnificent Angkor Wat temple complex.

🚕 Top Attractions:

• Angkor Wat: The largest religious monument in the world.
• Bayon Temple: Known for its mysterious stone faces.
• Phnom Penh: Explore the Royal Palace and bustling markets.

💸 Cost: Round-trip flights can cost between 533 to 719, with an average daily cost of RM185.

Cost of Travel Insurance: Tune Insurance covers travellers with Basic Travel protection for as cheap as RM36 for a single adult.

Total Cost for 7 days : RM 1957.

Conclusion

Cambodia emerged as the cheapest place to travel by Malaysians in 2025 with an average cost of only RM1957 for 7 days. Traveling to these destinations can be incredibly rewarding, but it’s essential to prepare for any unexpected circumstances. Travel insurance is crucial to protect against travel cancellations, medical emergencies, and lost luggage. Ensure that your adventures are stress-free by investing in comprehensive travel insurance. Whether you’re exploring ancient temples, relaxing on pristine beaches, or immersing yourself in vibrant city life, these cheapest places to travel in 2025 offer unforgettable experiences at affordable prices. So pack your bags, grab your passport, and embark on your next adventure while being protected by travel insurance!

Cheapest Travel Insurance Malaysia 2025

Did you know you can save up to 25% on travel insurance when you purchase online? When it comes to choosing the best travel insurance in Malaysia, travellers have a variety of options. With different pricing, and additional features, finding the right policy depends on your travel needs. In this article, we evaluate the pricing and user experience to help you find the most affordable and comprehensive travel insurance plan for your next trip. Read until the end to see us reveal the cheapest travel insurance in Malaysia 2025.

To ensure fairness and accuracy, we conducted this comparison using the following traveller details:

• Destination: India
• Coverage Type: Individual
• Duration of travel: 5 days
• Traveller’s Age: 26

Our evaluation covers:

• Pricing: The cost of insurance premiums.
• User Experience: The ease of use and accessibility of online quotes on the company website.

List of Insurance Companies Compared

The list shows the 12 companies compared arranged alphabetically:

1. Aig malaysia – Basic
2. Allianz – Allianz Travel Easy
3. Berjaya Sompo – Sompo TravelSafe+ (Elite C)
4. Chubb – Travel Basic
5. Etiqa Insurance – TripCare 360 Insurance (Silver)
6. Generali – Classic
7. Great Eastern – Great Voyager+ Short Term
8. Lonpac – Travel ezSecure
9. Msig – TravelRight Plus Insurance
10. Tokio Marine – Tokio Marine Explorer (P100)
11. Tune Protect – Travel Easy
12. Zurich – Z-Travel

💰 Price: RM72.00

✏️ User Experience: 

The first page has a “complete the sentence” type of prompt. The information required include type of traveller (adult/child/senior citizen), travel destination, one or two ways and travel date. On the next page, the users are shown the list of benefits and the price quotation along with add on options. After making a decision, users can click on “Purchase Now” which will bring them to a third page where they are asked for their personal information and nominee information which is optional. After completing the information, users can make payment. Overall, the website has a minimalist design and is straight forward. They do not offer different plans like other companies but instead only have one plan with optional add-ons. The process to make a purchase is quite fast.

Coverage Features:

✅ Accident & Medical Coverage:

Provides coverage of up to RM 200,000 for death, permanent disablement, or medical expenses due to accidents while traveling.

✅ Emergency Evacuation & Repatriation:

Covers emergency medical evacuation and repatriation expenses up to RM 1,000,000 in case of severe medical conditions requiring immediate transport.

✅ Trip Cancellation & Delays:

Reimburses up to RM 25,000 for trip cancellations due to covered reasons and provides compensation of up to RM 2,000 for travel delays.

✅ Personal Belongings & Travel Documents:

Offers coverage of up to RM 5,000 for lost or damaged personal luggage and an additional RM 5,000 for lost travel documents.

✅ Luggage Delay:

Provides compensation of RM 200 for every 6-hour delay, up to a maximum of RM 800.

✅ Sports & Mountaineering Coverage:

Includes protection for sports activities and mountaineering up to an altitude of 5,500 meters, ensuring coverage for adventure travellers.

💰 Price: RM47.00

✏️ User Experience: 

The online quotation page prompts for six details, which is slightly more than some other companies like Etiqa and Generali. The information required include type of trip, travel destination, travel date, who you are travelling with, number of travellers (below 60/above 60). On the next page, users can choose between three plans: Deluxe, Standard and Basic. There was a pop-up suggesting to add golf insurance. The full list of benefits for each plan is also shown on this page. Then, users will have to fill in the policyholder details and check some boxes as agreement to their policy declaration and authorisation before proceeding to the next page for payment. Overall, the website was moderately easy to navigate but still efficient in quickly quoting a price for travel insurance.

Coverage Features:

✅ Personal Accident Benefits

Protection against death and disablement up to RM250,000.

✅ Medical Related Benefits

Provides coverage for medical expenses like hospitalisation, covid-19, dental expenses, daily hospital income and also evacuation and repatriation up to RM10,000,000.

✅ Baggage Delay, Loss & Damage Coverage

Covers baggage delay, damages and loss of personal items up to RM3000.

✅ Travel Delay, Cancellation, Curtailment & Missed Connection

Covers fees for travel cancellation pre-departure up to RM7000.

✅ Extras

Covers personal liabilities of RM500,000 and includes 24/7 Worldwide Travel Assistance.

💰 Price: RM30.75

✏️ User Experience: 

The quotation page has a very clean design, making it easy for users to navigate around. The page only prompts for basic information like “Where are you travelling?”, “When are you travelling?” and “With who are you travelling?”. Upon completing the information, the site immediately quotes a price. Users can choose between three plans: Silver, Gold and Platinum. The page also lists all the benefits that come with each plan. Users can also choose to include add ons like Covid coverage and Adventurous activities. Finally, users can fill in their personal particulars and make payment. Overall, the process was very easy and took less than 5 minutes to complete.

Coverage Features:

✅ Medical & Accidents:

Coverage up to RM100,000 for medical expenses and accidental death/disability.

✅ Baggage & Belongings:

Compensation for lost/damaged items (RM1,000) and baggage delays (RM500).

✅ Travel Delays:

Compensation for flight delays (RM100 after 2 hours, RM250 for every 6 hours, up to RM1,000).

✅ Missed Connections:

Coverage of RM400 for transport delays over 6 hours.

✅ Convenience:

Access to the Etiqa+ App for claims and policy management.

💰 Price: RM27.00

✏️ User Experience: 

Users are prompted for NRIC number to accept a privacy notice on the first page. Upon clicking on continue, the second page prompts for more information like type of coverage, travel destination and period of coverage. When the information are completely filled in, the website displays three plan options with their respective coverage benefits and price. Users can even choose to include add-ons like Covid-19 benefits, pet benefits, cruise benefits and alternative transport top up. When users choose to continue, there is a pop-up window suggesting a plan upgrade where users can either agree or decline. Then, users are prompted for their personal details, followed by a page for final review of their choice and finally the payment page. Overall, there are 5 steps to complete the purchase which is slightly more than the other travel insurance websites. Although it takes more time, the process to make a purchase was easy to understand.

Coverage Features:

✅ Medical Benefits

Provides medical benefits and other medical related expenses up to RM300,000.

✅ Personal Accident

Covers personal accident up to  RM250,000.

✅ Medical Evacuation and Repatriation

Covers emergency medical evacuation and bringing back to Malaysia up to RM1,000,000.

✅ Luggage and Personal Effects

Provides coverage for luggage and personal effects up to RM5000.

✅ Travel and Luggage Delay

Covers travel and luggage delay up to RM3600.

💰 Price: RM26.25

✏️ User Experience: 

The first page of the online quotation page, prompts for information including travel type, destination, traveller type, age, email and travel period. After filling in the details, users will have to acknowledge they are Malaysian and agree to terms and condition before clicking on “Get Quote”. The website then displays three plans (Basic plan, Covid lite, Covid plus) along with their prices and benefits. After choosing the right plan, users can click on “Next” to fill in their personal details and make the purchase. Overall, there are 3 steps to complete and the process was very fast and smooth. Users can make a purchase in less than 5 minutes.

Coverage Features:

✅ Medical Benefits

Provides medical benefits up to RM300,000 excluding Covid-19 coverage.

✅ Personal Accident

Covers personal accident up to  RM300,000.

✅ Loss of Baggage and Travel Documents.

Provides coverage for loss of personal belongings including baggage and travel document up to RM5000.

✅ Travel Delay

Covers travel delay up to RM3000.

💰 Price: RM26.00

✏️ User Experience: 

Great Eastern quotation page has a modern design. The page starts by prompting only the travel destination. In the next page, users will have to specify their travel date, type of coverage (insured only/insured & spouse/family), and acknowledge that they are Malaysian. On the next page, users get to choose between two plans: Essential/Supreme with Covid-19. They also can view the list of benefits covered for each plan and the price quotation according to the chosen plan.On the next page, users can provide their personal details and move on the the last page for payment. Overall, the process is pretty quick and easy.

Coverage Features:

✅ Accidental Death

 Covers up to RM100,00 for an adult until 70 years old. 

✅ Permanent Disablement 

Provides coverage for total paralysis up to 100% of accidental death sum insured.

✅ Medical Expenses

Covers fee for medical expenses due to injury, illness, or hospitalisation up to RM50,000.

✅ Follow-up Medical Treatment

Covers reimbursement for follow-up treatment within 90 days upon return to Malaysia up to RM10,000.

💰 Price: RM24.75

✏️ User Experience: 

The online travel insurance form only prompts for travel destination, travel date and number of adults and child. Upon clicking on “Get Quote”, users are taken to a second page where they can choose between three plans: Elite A, Elite B and Elite C. They also list the benefits provided in each plan for users to compare before making a decision. When clicked on “Next”, the site suggests users to upgrade their plan for better benefits. Users can choose to upgrade or stick with their decision. On the next page, users must check a box to agree they are Malaysian. After that, users will have to fill in the policyholders details, and choose to skip nominee details. Finally, users can make their payment. Overall, there were only a few steps required and the process can be done very quickly. The design is also simple and easy to navigate.

Coverage Features:

✅ Medical and Other Expenses

Covers medical expenses locally or overseas, hospitalisation and Covid-19 allowance up to RM150,000.

✅ Personal Accident

Covers loss of sight/limbs, disablement and death up to RM100,000.

✅ Emergency Medical Evacuation and Repatriation

Provides unlimited coverage to medical evacuation and repatriation for policyholders below 70 years old.

💰 Price: RM24.00

✏️ User Experience: 

Chubb’s quotation page prompts users for travel region, destination, travel date, coverage type and traveller’s age. Once done, users will have to check a box to acknowledge they are Malaysian and click on “Get Quote”. The next page displays three plan options (Travel Pro, Travel Lite, Travel Basic) with their price and benefits. After making a decision, users can click on “Buy Now” and fill in their personal details before moving on to making payment. Overall, there are 3 steps to be completed and the process was straight forward.

Coverage Features:

✅ Medical Benefits

Covers medical fees, dental expenses, follow up medical expenses in home county and Covid-19 coverage up to RM100,000.

✅ Accident Death & Permanent Disablement

Provides coverage for accident death and permanent disablement up to  RM100,000.

✅ Emergency Medical Evacuation & Repatriation

Provides unlimited coverage for medical evacuation and repatriation.

✅ Travel Cancellation & Travel Curtailment

Covers travel cancellation and travel curtailment including Covid-19 up to RM15,000.

💰 Price: RM21.75

✏️ User Experience: 

The Tokio Marine quotation page asks for more information that other companies. The information required include Who’s going, Coverage type, Travel date and duration, Chosen plan, Location travelling from and to. Based on the given information, the site immediately quotes a price on the same page. Upon clicking on continue, the page requests for more detailed personal information and fonally takes users to the payment page.

Coverage Features:

✅ Personal Accident:

Coverage up to RM100,000 for accidental injuries.

✅ Medical & Related Expenses:

Up to RM100,000 for medical treatment during travel.

✅ Follow-up Treatment in Malaysia:

Coverage up to RM5,000 after returning from the trip.

✅ Luggage Delay:

Compensation of up to RM400 for delayed baggage.

✅ Hospitalisation Due to COVID-19:

Coverage up to RM100,000 for COVID-19-related hospitalisation.

💰 Price: RM21.00

✏️ User Experience: 

In the quotation page, the users are asked to choose their travel type (domestic/international) and coverage type (takaful/insurance). Next, users have to specify their destination (Asia pacific/worldwide), travel date and travel party (individual/married couple/family/senior citizen) and finally check a box to acknowledge their nationality. On the next page, users can choose between basic or VIP plan based on the listed coverage and price.

Coverage Features:

✅ Medical Benefits

Covers medical fees, hospital income and other medical related benefits up to RM100,000.

✅ Accident Death & Permanent Disablement

Provides coverage for accident death and permanent disablement up to  RM100,000.

✅ Emergency Medical Evacuation & Repatriation

Covers up to RM1,000,000.

✅ Liability Benefits

Covers personal liabilities like loss of money, credit card and travel documents up to RM1,000.

✅ Travel and Baggage Delay

Covers travel and baggage delay up to RM3600.

💰 Price: RM15.00

✏️ User Experience: 

The first page of the travel insurance site starts by asking number of travel destinations, travel destination, date of travel, type of coverage and age. On the next page, the website shows two plans: premier and basic along with their coverage and price quotation. Users can select their preferred plan and click on “Buy Now” where there was a pop-up window asking to agree to terms of purchase. After that, users must fill in their personal details and proceed to make payment. Overall, there were 4 steps to complete the purchase. The steps were easy to understand and the website was easy to navigate.

Coverage Features:

✅ Personal Accident Benefits

Protection against accident death & permanent disablement up to RM300,000.

✅ Medical Related Benefits

Covers medical expenses, follow-up medical expenses in home country, alternative medicine, family emergency travel and child guard benefits up to  RM300,000.

✅ Emergency Medical Evacuation & Repatriation

Covers up to RM1,000,000.

✅ Liability Benefits

Covers personal liabilities of RM1,000,000.

💰 Price: RM15.00

✏️ User Experience: 

The first page prompts users for only four details including travel destination, travel date, type of plan (individual/group) and number of adults. Users will also have to check boxes to agree to some terms and conditions and specify their nationality and age. When users click on “Get Quote” they will be brought to a second page where they can choose between two plans (VIP/Classic). Here users can see the benefits provided for each plan and choose to include ons. In the third page, users will have to fill in their personal details, nominee details and insured contact details before proceeding to make payment. Overall, the process was quick and easy to navigate.

Coverage Features:

✅ Personal Accident

Accidental death/disablement covers up to RM100,000.

✅ Medical Benefit

Covers medical treatment and child care up to RM50,000.

✅ Emergency Medical Evacuation and Repatriation 

Covers up to RM100,000 for an event of repatriation.

The summary below is based on a a trip to India for 5 day by a 26 years old individual traveller.

Cheapest Travel Insurance: Generali – Classic and Lonpac – Travel Easy Secure

Most Expensive Travel Insurance: Allianz – Allianz Travel Easy

The difference between the cheapest travel insurance and most expensive is 74%! This shows that finding the cheapest insurance can save you a lot of money. Therefore, it is truly important to compare insurance plans before purchasing them. In summary, Generali and Lonpac are tied in offering the cheapest travel insurance in 2025 as compared to the other companies. Both Generali and Lonpac also rated high in price and user experience, which makes them the best overall. With iBanding, you can compare prices and purchase your travel insurance with confidence. Be sure to check out the comparison table below.

Cheapest Car Insurance Malaysia 2025

Did you know that a medical evacuation from Greece to Malaysia would cost US$137,000? (Source: Chubb). Traveling is an exciting experience, but unexpected medical issues can turn a dream trip into a nightmare. Whether it’s a sudden illness, an accident, or a pre-existing condition that flares up, medical expenses abroad can be costly. This is why having travel insurance is a must for Malaysian travelers. Here’s how it can help:

1. Covers Medical Expenses 💉🏥

Healthcare costs vary from country to country, and some places charge extremely high fees for treatment. Travel insurance helps cover hospital bills, doctor visits, medication, and even emergency surgeries so you don’t have to worry about paying out of pocket.

Example:
A Malaysian traveler in Australia falls sick and requires hospitalization. Without insurance, the medical bill could cost between AUD 1500-4000 which is up to RM11,000. With travel insurance, these expenses are covered, saving you from financial stress.

2. Emergency Medical Evacuation 🚑✈️

If you have a severe medical emergency that requires special treatment, travel insurance can cover the cost of medical evacuation to the nearest suitable hospital or even back to Malaysia.

Example:
You suffer a serious injury while hiking in Japan and need to be airlifted to a hospital. A medical evacuation can cost over RM50,000, but travel insurance ensures you get the necessary care without the financial burden.

3. Covers COVID-19 and Other Illnesses 😷

Many travel insurance policies now include COVID-19 coverage, which helps pay for treatment, quarantine costs, or even trip cancellations due to infection.

Example:
A traveler from Malaysia tests positive for COVID-19 in Thailand and must stay in quarantine for a week. Travel insurance can help cover medical bills which could cost up to RM1300 per day and accommodation costs during isolation.

4. Cashless Hospital Admission 🏥💳

With travel insurance, you may be able to receive treatment without paying upfront at hospitals that are part of the insurer’s network. This makes getting medical help easier and less stressful.

Example:
A Malaysian traveler in South Korea needs urgent medical treatment. Instead of paying first and claiming later, the hospital bills the insurer directly, making the process hassle-free.

5. Covers Trip Interruptions Due to Medical Issues ✈️❌

If you or a family member falls sick and you need to cut your trip short, travel insurance can reimburse you for the unused portion of your trip, including flight tickets and hotel bookings.

Example:
You’re on a holiday in Europe, but a sudden medical emergency forces you to return to Malaysia earlier than planned. Travel insurance helps recover the costs of missed flights and non-refundable hotel bookings.

Conclusion

Medical emergencies can happen to anyone, anywhere. Instead of risking huge medical bills, get travel insurance before your next trip. It’s a small investment that can save you thousands of ringgit and give you peace of mind while you explore the world. So if you are thinking of planning a trip, compare and find the best travel insurance for you today!

Lost Luggage? How Travel Insurance Can Help

Did you know? Group insurance in Malaysia grew by 10.3%, contributing RM368.8 billion in total coverage in the last two years. (Source: Life Insurance Association Malaysia). If you’re an employer in Malaysia, providing group insurance for your employees is a smart way to build a secure and productive workplace. It not only offers financial protection to your employees and their families but also enhances your company’s reputation and helps attract and retain talent. In this article, we discuss the key factors influencing group insurance costs, strategies for effective management, regulatory requirements in Malaysia, and common mistakes employers should avoid.

Sam: Group insurance is a key benefit for employees, but employers often wonder why premiums cost what they do and how they can keep those costs under control.

Several things that affect the cost of group insurance:  

Sam: Group insurance is often seen as a big expense, especially for small and medium-sized enterprises (SMEs). SMEs can still provide good coverage while staying within budget. SMEs can make group insurance work by being strategic:

Conclusion

Providing group insurance is a crucial step for any employer looking to create a secure, supportive, and productive workplace. A well-structured group insurance plan not only protects employees and their families but also strengthens your business by attracting and retaining top talent. Understanding the factors that influence premiums and implementing cost-saving strategies allows employers to strike the right balance between affordability and value.

By tailoring plans to meet employee needs, staying compliant with Malaysian regulations, and working a trusted insurance experts like Sam, employers can ensure their group insurance plans are both cost-effective and beneficial.

For expert guidance in selecting the right group insurance plan for your business, visit iBanding’s agent review page to connect with professionals who can help you make informed decisions. Start securing your business’s future today!

Group Insurance: A Guide for Malaysian Employers