Travel Insurance Malaysia

LUMA is a travel insurance company headquartered in Bangkok, Thailand. We also have worldwide offices, including in:

• Ho Chi Minh City, Vietnam
• Phnom Penh, Cambodia
• Yangon, Myanmar
• Bordeaux, France

We can support you with medical advice and travel support anywhere in the world.

Our travel insurance covers a range of medical and travel expenses:

Medical expenses

LUMA travel insurance covers inpatient and outpatient treatments in Malaysia for covered conditions carried out using standard practices and reasonable costs. 

Emergency evacuation

Our coverage includes emergency evacuation. This is to be used if a serious injury or illness requires immediate treatment and no suitable medical facilities are nearby. If medical facilities in Malaysia are inadequate, you can also be evacuated to a third country. 

This evacuation will be arranged to the nearest suitable facility using the most efficient mode of transportation capable of providing the necessary medical care. Only the insurer and/or the assistance company can coordinate the evacuation.

Repatriation

If necessary, we can provide assistance and cover costs related to returning home after an emergency evacuation. The decision and coordination of repatriation are solely the responsibility of the insurer and/or the assistance company.

Trip cancellation

We protect you against losing deposits or facing additional expenses due to unexpected events like illness, emergencies, or natural disasters. 

You can cancel or shorten your trip and get reimbursed for unused expenses. 

Note: Coverage for this benefit begins from the policy issue date until the departure date indicated in the itinerary.

Trip interruption

We reimburse the unused portion of your travel expenses if your trip is cut short due to illness, emergencies, or natural disasters. This includes returning home sooner or arranging alternative accommodation.

Flight delay

We cover you for flight delays due to adverse weather, strikes, or technical issues outside your home country and beyond your control. 

To qualify for compensation, the delay must exceed six hours and not be due to failure to check in or reconfirm on time. Additionally, your booking must be confirmed before any known issues arise. 

To make a claim, obtain official airline documentation detailing the delay’s cause, date, time, and duration. Note that this coverage excludes issues existing at the policy’s commencement or problems caused by government authorities.

Baggage delay

We cover emergency purchases of essential toiletries and clothing, should your luggage be temporarily lost upon arrival in Malaysia for at least 6 hours. 

It’s crucial to note that the delay should not result from customs or government officials, and you must submit documentation, including original purchase receipts.

Lost baggage

This travel insurance to Malaysia offers compensation for loss, breakage, or damage caused directly by theft, robbery, burglary, accidents, or mishandling by carriers during the insured person’s journey. 

To qualify for coverage, the loss must be reported to local authorities or carriers within 24 hours. 

It’s important to note that this benefit does not cover loss or damage due to delay, confiscation, wear and tear, or loss of specific items like cash, electronics, fragile articles, and more. For comprehensive details and exclusions, please consult the policy wording.

Yes, this policy covers medical treatment required in Malaysia as a result of you contracting COVID-19.

Yes, as long as you don’t take part in a professional capacity. Hiking is covered up to an altitude of 5,000 meters.

Yes, as long as:

• You purchased comprehensive rental car insurance.
• You complied with the rental car company rules.
• You complied with driving laws in Malaysia.

Yes, this insurance covers you for medical costs associated with injuries sustained while driving or a passenger on a motorbike.

The emergency number in Malaysia is 999. In a medical emergency you should go to the nearest hospital as soon as possible. 

Once you are safe, please contact the hotline number in your LUMA policy and our team will provide you with support.

While travel insurance in Malaysia is not obligatory, it is recommended. The cost of medical care in Malaysia can be high, and foreign travelers may not be covered by the country’s public healthcare system. 

Additionally, Malaysia presents unique health risks, including tropical diseases. Travel insurance can assist in covering medical expenses, as well as costs associated with unforeseeable events like travel curtailment or interruption, lost luggage, and emergency transportation.

The cost of travel insurance for Malaysia may vary depending on factors such as the duration of your trip, the level of coverage chosen, and your departure location. Travel insurance plans for Malaysia can start at just a few USD per day.

For example, a 14-day single trip for two from the U.S. to Malaysia can be insured for around 4 USD per day on our Essential plan. The same trip costs 17.50 USD for our highest coverage.