Travel Insurance for Malaysia

With a mix of Indian, Chinese and Malay cultures, Malaysia is an exotic, exciting place to visit, a popular holiday spot and stopover destination for many Australians en route to Europe.

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There are many famous diving and snorkelling spots on Malaysia’s beautiful coral reefs and beaches. For natural wonders, visit the limestone cave and sacred Hindu temples at Batu Caves, 13km north of Kuala Lumpur (KL).

Take a trip to explore one of the few remaining unprotected areas in Sarawak, Borneo that has not been logged. The Penan Tribe, one of Borneo’s most fascinating, secretive and least understood tribes, still maintains its traditional nomadic hunter-gatherer existence in the deep Sarawak jungle.

Mulu is the adventure capital of Malaysia. If you prefer an active break, swim or raft the wild rivers in the area, mountain-bike or climb Mount Mulu, or go caving in one of the many limestone caves and sinkholes.

You can hike the once-feared Headhunter’s trail through the jungle, and see some wildlife along the way. Or arrange a longhouse homestay with one of the native tribes, in one of the most beautiful parts of the tropical jungle, for a real jungle experience.

Kuala Lumpur is a shopper’s delight for all manner of electronics, clothes, computer goods, beautiful batiks or handcrafted souvenirs.

Malaysia’s cuisine is a mix of Indian, Chinese and local flavours – exotic and different. There are many sweet, spicy or shrimpy-tasting noodle and dumpling dishes, hot or mild curries and delicious sweets available from the hawker stalls in Petaling Street, KL, one of the city’s most lively night markets.

Malaysia is one of the world’s top health tourism destinations, as health services in Malaysia are both world-class and affordable. Although there are charges for private hospital cosmetic surgery treatments, due to competition the price is relatively low.

5 useful phrases in Bahasa Malaysia

Yes Ya
No Tidak
Please Tolong
Thank you Terima kasih
Excuse me Maafkan saya

For more useful words and phrases in Bahasa Malaysia, visit the Insight Guides website.

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Risks of travelling to Malaysia

Most experts say that any South-East Asian destination needs travel insurance, and Malaysia, while exotic and beautiful, is no exception.

Though its health care services are top-class, Malaysia is in a region prone to natural disasters. Flooding and mudslides are common during the wet season (October to February). Severe rainstorms during this time can mean loss of life as well as infrastructure damage and can affect essential services such as water, electricity and transport.

Violent crime against foreigners, though rare, does occur, and petty crime is common. 'Snatch and grab' attacks against pedestrians from passing motorcycles frequently occur and the victim is often injured as a result.

Smartraveller advises that you reconsider your need to travel to the coastal regions of eastern Sabah, including dive sites, due to the ongoing threat of kidnapping by militant and criminal groups based in the southern Philippines and violence linked to insurgency and terrorists.

The cost of skipping travel insurance

In 2014, Worldcare helped 14 Australians who travelled to Malaysia, ran into trouble and made a claim on their travel insurance policy.

Most of our total claims cost for Malaysia last year was for cancellation fees and lost deposits (34%), luggage and personal effects (20%) and medical and hospital expenses (6%).

Covering any cancellation fees and lost deposits could you leave you AUD $1,928 out of pocket on average.

If your luggage or personal effects are lost, stolen or delayed in Malaysia, it could cost you an average of AUD $268 without travel insurance.

If you are injured or get sick while travelling in Malaysia, you can expect to be out of pocket an average of AUD $141 without insurance.

So it’s worth considering travel insurance, which is not expensive and may save you considerable cost and trouble.

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Worldcare has a range of travel insurance options and inclusions to suit any Malaysia holiday budget – even if yours is limited.

Before you travel to Malaysia

As soon as adverse events such as strikes, bad weather, natural disasters and others that may affect your trip hit mass media, you are not covered unless you already have travel insurance, as it’s no longer ‘unforeseen’.

If you have your policy arranged well in advance of travelling, you are protected. So take it out before you leave and you should be eligible to claim.

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