Travel Insurance Malaysia

Purchase LUMA travel insurance online and enjoy a worry-free trip to Malaysia.

Trusted by 100,000+ Travelers

Do I Need Travel Insurance for Malaysia?

Malaysia is the trip of a lifetime, whether you’re trekking through Taman Negara, diving in the Perhentian Islands, or shopping in Kuala Lumpur. 

But unexpected mishaps like medical emergencies, trip cancellations, or lost belongings can quickly get expensive. 

LUMA travel insurance covers these expenses, so you can enjoy peace of mind and focus on making unforgettable memories in this stunning destination.

 

⚠️ You must purchase travel insurance before your overseas trip. You cannot buy it once you have arrived. 

Why Get Travel Insurance For Malaysia?

Your health insurance policy or Medicare might not cover your Malaysia trip. If you fall ill or get injured while there, you could be left with a bill for:

Travel Insurance Malaysia, Travel insurance for Malaysia

Between $400 and $1200 USD

The cost of an ambulance in Malaysia

Travel Insurance Malaysia, Travel insurance for Malaysia

Up to 110,000 USD

The cost of emergency medical evacuation from Malaysia to Australia.

Travel Insurance Malaysia, Travel insurance for Malaysia

Up to 7,000 USD

10 days in a private Malaysian hospital

Malaysia travel insurance statistics

Travel Insurance Malaysia, Travel insurance for Malaysia

$4,854.22: The average value claimed for trip cancellation in the U.S. during 2023.

Travel Insurance Malaysia, Travel insurance for Malaysia

18% of customers claim on their travel insurance policy.

Travel Insurance Malaysia, Travel insurance for Malaysia

24% of all U.S. travel insurance holders made a claim due to travel delays in 2022.

Malaysia tourism facts

💡 20.4 million international tourists visited Malaysia in 2023. 

💡 Kuala Lumpur is Malaysia’s capital and the most popular city to visit. It is known for its nightlife, skyscrapers, and shopping malls.

💡 Malaysia is known for its food. Its national dish is nasi lemak, a fragrant rice dish cooked in coconut milk and pandan leaves

💡 Malaysia’s National Park is home to the world’s oldest tropical rainforest, which is estimated to be around 130 million years old

💡 Beware of food poisoning. The nation experiences 45.71 cases of food poisoning per 100,000 people.

💡 The roads in Malaysia are dangerous. Around 18 people die in road traffic accidents every day.

Enjoy Peace of Mind with LUMA’s Malaysia Travel Insurance

Travel Insurance Malaysia, Travel insurance for Malaysia

Protect your Malaysia adventure

High value coverage means you can enjoy a worry-free holiday.

Travel Insurance Malaysia, Travel insurance for Malaysia

24/7 Support

Our expert team is available 24 hours a day via our hotline.

Travel Insurance Malaysia, Travel insurance for Malaysia

Tailored to match your travel requirements

Coverage benefits designed to protect your trip to Malaysia.

Emergency Medical Advice When You Need It

Visiting Malaysia is an adventure—but if something goes wrong, figuring out where to get the right help can be stressful. 

 

That’s where LUMA travel insurance comes in—we provide a 24/7 hotline to connect you to local medical experts so you can get the assistance you need quickly.

 

We also cover all associated expenses; so you can enjoy your trip of a lifetime, worry-free.

LUMA's local medical experts

Travel Insurance Highlights

LUMA covers your holiday to Malaysia for a range of medical and travel expenses.

 

Medical Benefits & Travel Benefits

Medical Expenses

Medical Expenses

Comprehensive coverage for unexpected medical expenses

Travel Insurance Malaysia, Travel insurance for Malaysia

Emergency medical evacuation

Unlimited coverage

Travel Insurance Malaysia, Travel insurance for Malaysia

Repatriation

Unlimited coverage

Travel Insurance Malaysia, Travel insurance for Malaysia

Trip cancellation

Covered up to 5,000 USD

Travel Insurance Malaysia, Travel insurance for Malaysia

Trip interruption

Covered up to 5,000 USD

Travel Insurance Malaysia, Travel insurance for Malaysia

Lost baggage

Covered up to 1,500 USD

❌ What is NOT covered?


⚕️ Pre-existing conditions

Any medical conditions or symptoms known or arising before purchasing the policy are not covered.


🔮 Events anticipated when buying the policy

The policy must be bought before your trip starts. Events that were anticipated at the point of purchase are not covered.


🍾 Alcohol or drug-related incidents

Injuries or illnesses caused by alcohol or drug use are not covered.


🤰 Pregnancy

Any expenses arising from illness or injury related to pregnancy are not covered.

Why LUMA Travel Insurance?

LUMA has been trusted by thousands of travelers worldwide, thanks to its in-house medical experts and global partners.

24/7 Hotline

Our multilingual emergency hotline is available every day, around the clock.

Meet our MediPro Team

Our expert medical team, equipped with extensive local knowledge, can support you in Malaysia with trusted referral advice and second opinions tailored to your needs.

Travel Insurance Malaysia, Travel insurance for Malaysia

Dr. Gerard

Emergency Medicine, Aviation & Tropical Diseases

25 Years of Medical Experience

Travel Insurance Malaysia, Travel insurance for Malaysia

Nurse Kookkik

Registered Nurse

19 Years of Medical Experience

Travel Insurance Malaysia, Travel insurance for Malaysia

Dr. Kao

Health Care Management

General Practitioner

Travel Insurance Malaysia, Travel insurance for Malaysia

Dr. Patrick

Health Care Management

General Practitioner

Travel Insurance Malaysia, Travel insurance for Malaysia

Dr. Thet

Internal Medicine & Rehabilitation Medicine

9 Years of Medical Experience

LUMA international travel insurance reviews

Bryann
Bryann
Great service and really helpful staff. Naly was exceptionally supportive throughout the process!
G O
G O
Very comprehensive service. We are thoroughly impressed by the speed of reply, and how readily available the Client Solution Executive was to our queries. A special thanks to Khun Nattawut Promkerd for your patience and wonderful service. We were assisted every step of the way, and application was a breeze. English communication was clear, and any queries were answered proficiently.
Stephen Roberts
Stephen Roberts
After looking at many other companies, I decided to use Luma. Excellent product options and value for money. The staff explained my product options to me and were always helpful. Answering my questions promptly. The overall service was excellent.

We Work with Global Partners

Our global partners help us provide insurance and services to destinations around the world.

Baolong Insurance

Insured by Baolong

With over three decades of expertise across a diverse range of insurance services, Baolong ensures your claims are covered.

Europ Assistance

Assistance by Europ Assistance

Europ Assistance is a leading assistance company with an international network ensuring reliable support worldwide.

We also have relationships with hospitals and medical professionals across Southeast Asia. This lets us get you suitable medical treatment quickly, should you suffer illness or injury.

Travel Insurance for Malaysia FAQ

Where is LUMA located?

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.

What medical benefits does this insurance cover?

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.

Does this policy cover COVID-19?

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

Does this policy cover adventurous activities and extreme sports?

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

Does this travel insurance cover rental car rental excess charges?

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.

Does this insurance cover me for motorcycle accidents in Malaysia?

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

What should I do if I experience an emergency in Malaysia?

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.

Do I need travel insurance for Malaysia?

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.

How much is travel insurance to Malaysia?

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.

Travel Tips for Malaysia

Does Malaysia have good medical care?

Yes, the quality of medical care in Malaysia is good, especially in the cities. The country offers a mix of private and public medical care. 

The latter tends to be cheaper as it is subsidized by the government, however, it tends to have longer waiting times for treatment. Private hospitals can be expensive.

Most Malaysian hospitals speak English. If this concerns you, then the UK government provides a list of Malaysian hospitals confirmed as having English-speaking doctors.

Do I need a visa for Malaysia?

Depending on your nationality, some travelers may require a visa to enter Malaysia. For certain nationalities, visas can be obtained upon arrival at the airport. 

Due to the changing nature of visa regulations, it is crucial to check the current requirements with the embassy in your respective country before traveling to Malaysia.

Citizens of the following countries can enter Malaysia visa-free for 90 days:

  • EU
  • UK
  • USA
  • Canada
  • Australia
  • New Zealand
  • South Korea
  • Japan
  • Hong Kong

Citizens of Thailand can enter Malaysia visa-free for up to 30 days.

Is Malaysia a safe country?

Malaysia is generally safe for tourists. However, there are a few issues you should be aware of.

Safety and security

Petty crimes like bag-snatching and pickpocketing are common, especially in urban areas. Be cautious with valuables, particularly in crowded places or near roads where motorbike thefts occur​.

You should avoid traveling to coastal areas in and around eastern Sabah from Sandakan to Tawau. This is due to threats from Filipino terrorists operating in the area.

Health precautions

Mosquito-borne tropical diseases like dengue fever and malaria are present in rural parts of Malaysia. You can protect yourself by:

  • Using insect repellent and mosquito nets.
  • Wearing long sleeves and pants.
  • Avoiding stagnant water.

You should also avoid stray animals as they may have rabies. ​

Food poisoning is relatively common in Malaysia, with 45.71 cases per 100,000 people. You can avoid it by taking the following precautions:

  • Only order hot food.
  • Only order food cooked once you have ordered it, and avoid anything that has been left out.
  • Avoid ice and drink only boiled or bottled water.

Laws and customs

Malaysia enforces strict drug laws, including the death penalty for trafficking. It is also illegal for foreigners to participate in protests.

Dress modestly, particularly in rural areas or at religious sites. During Ramadan, respect local customs and be mindful of reduced public services​.

Is it safe to drink tap water in Malaysia?

No, you should avoid drinking tap water in Malaysia, unless you boil or filter it first. Bottled water is safe to drink and inexpensive.

What is the best way to travel in Malaysia?

The best way to travel around Malaysia depends on the distance you’re traveling, your budget, and your preferences: 

Bus: Buses are fast, comfortable, and cheap, especially for longer routes. They are regular and easy to book. 

Flight: Flights within Malaysia are generally affordable and are a good option for longer-distance journeys. 

Car rental: Renting a car is convenient and renting a small car costs around RM 90–150 per day. Malaysians drive on the left side of the road.

Monorail: A popular, fast, comfortable, and low-cost option for getting around Kuala Lumpur. The Monorail has 11 stations and covers 8.6 km of the city. 

Public transportation: The public transportation system in Kuala Lumpur is affordable, efficient, and reliable. 

Ferry: Malaysia has 879 islands. Ferries are often the best way to visit them. 

Private driver: Sometimes it’s cheaper to get a private driver than to rent a car. Plus, you’ll benefit from their local knowledge.

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