Etiqa Travel Insurance Malaysia Review - A guide on price, coverage, eligibility, and how to make claims

Travel insurance is important for peace of mind when you travel locally or internationally, and can help if you experience theft, ill health or an emergency. This guide walks through Etiqa Travel Insurance¹ in Malaysia including the Etiqa TripCare 360 plan options, how to make an Etiqa Travel Insurance claim and more.

We’ll also touch on Wise as another handy partner for travelling abroad, with easy ways to spend and withdraw internationally with low fees and the mid-market rate².

What is Etiqa Travel Insurance Malaysia?

Etiqa is a takaful and insurance company operating in Malaysia and also serving customers in the broader region in Singapore, Indonesia, Philippines and Cambodia. You can buy cover for your travel needs and also access products for vehicle and home insurance and more.

Etiqa has a selection of different travel insurance and takaful products which can be selected to suit your specific needs. Policies are underwritten by Etiqa General Insurance Berhad which is regulated by Bank Negara Malaysia.

This Etiqa Travel Insurance review covers some key details about Etiqa Travel Insurance including the popular Etiqa TripCare 360, so you can start researching the options that suit your needs best.

Etiqa Travel Insurance eligibility

The eligibility rules for Etiqa travel products depend on the product you prefer and the package you decide to take. Broad rules include:

• Individual cover is available for people from 18 to 80
• Family cover can include unemployed and unmarried children from 45 days old to 18 years - or to 23 years old if studying full time in a recognised institution

It’s important to check the full eligibility rules for the product you pick online before you sign up - there are several different products, which can come with different account tiers. This can mean the fees, features and eligibility requirements vary.

Types of Etiqa insurance packages available

Etiqa offers 4 key travel products:

• TripCare 360 Insurance - offering travel inconvenience cover at home and abroad, as well as medical and emergency insurance³
• TripCare 360 Takaful - Shariah compliant plan which covers local and domestic travel for losses, emergencies and medical requirements⁴
• Travel Ezy Insurance - covers domestic flight delays⁵
• i-Travel Ezy Takaful - Shariah compliant plan which covers domestic flight delays⁶

Different products may also come in different tier options - for example covering only domestic travel, or offering higher levels of reimbursement and cover. All in all this gives you a lot of different options to consider with Etiqa - so doing some research to pick the right plan is essential.

Etiqa TripCare 360 insurance plans

Etiqa - as we’ve just seen - offers several different insurance and takaful products. These products can also offer varying tiers of cover for individuals, their spouses and family. To give a flavour of the cover available, we’ll take a look at the Etiqa Trip Care 360 cover options, including the key areas of cover.

If you’re thinking of another Etiqa product or if you want to get the full overview, take a look on the Etiqa website where everything is set out clearly. The Product Disclosure Sheet is a great place to start - pick the plan you’re interested in and download the PDS from the website to review.

Etiqa 360 travel insurance medical coverage

Etiqa Trip Care 360 cover can be broadly split into 2 categories - travel medical or emergency cover, and travel inconvenience cover. We’ll start with a brief overview of the cover available for medical and emergencies - bear in mind that this is just a snapshot. Other items may be covered, and additional limits do apply, which you’ll need to review yourself.

Etiqa 360 travel-related coverage

Aside from medical requirements, travel insurance products can also cover inconveniences and loss of luggage. Here are a few highlights - as with medical care, additional rules apply, and it’s important to review the whole policy for yourself before you pick.

Other categories of cover, which can vary based on the plan you pick can include:

• Travel delay
• Missed connection
• Lost travel documents
• Hijacking inconvenience
• Home care

Etiqa Travel Insurance price

Etiqa travel cover can be split out by area (the destination you plan to travel to) as well as duration of cover and who will be insured. You can take an individual policy or one which includes the policy holder and their spouse, or the whole family. The costs also vary according to the travel package you pick - so for the Etiqa 360 policies, the Domestic, Silver, Gold or Platinum plans.

To give an idea, individual Etiqa 360 cover for a 7 day trip, for someone aged between 18 and 70 could cost in the region of:

• Domestic - 25 MYR
• Silver - from 36.5 MYR to 65.5 MYR
• Gold - from 59.5 MYR to 107 MYR
• Platinum - from 78.5 MYR to 141.5 MYR

Add-ons for Etiqa TripCare 360

If you’re getting the Etiqa TripCare 360 insurance product you can also add on Etiqa Travel Insurance covid-19 cover to offer peace of mind and support if your plans are altered due to infection.

Making an Etiqa Travel Insurance claim

You may be able to make your Etiqa travel insurance online by completing the claim form and submitting the required documents depending on the claim type. As an example, if you’re submitting a medical expense claim, you might have to provide documents like:

• Medical certificate or report
• Invoices and receipts for medical care

There are details of the type of documents which may be needed to support your travel insurance claim, online - but as each case is different you might want to reach out to the customer service team to ask for advice in your specific situation. On the travel claims page⁷ there are a range of contact options including a dedicated claims call line, and details to chat on WhatsApp. These contact options are not the same as the emergency and general query information which we have detailed next:

Claims phone line: 1-300-88-1007

Claims email: travelclaimscare@etiqa.com.my

Claims Whatsapp: Scan the QR online, or use +60327804677

Etiqa contact details

Here’s some important information about how to get in touch with Etiqa if you have general questions, or have an emergency while travelling⁸.

Safeguard yourself against high foreign transaction and currency conversion fees with Wise

Before your next overseas trip, take a look at the Wise card for smart solutions which can help you cut the costs of your overseas travel spending.

With Wise you can add money to your digital account in ringgit and spend around the world with the mid-market rate and low, transparent fees. Just open your account online or in the Wise app and order your card for a low fee. Then, when you travel, tap to pay with your card or using a mobile wallet - and make ATM withdrawals when you need cash. All Wise accounts have two free overseas ATM withdrawals a month, so you’ll always have the currency you need in your wallet, wherever you are.

💳 Get the travel card with no hidden fees