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.

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