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

Travel insurance is a smart idea. Whether you’re off overseas or travelling domestically, it offers peace of mind and practical support if you run into any problems. If you have an upcoming trip, you might be considering a Generali travel insurance policy¹ - but is Generali travel insurance good, what does it cover, and what does it cost? This guide contains all you need to know.

To help you make more of your international travel we’ll also touch on Wise, for easy ways to spend and withdraw overseas with low fees and the mid-market rate².

Table of contents
What is Generali Travel Insurance? Types of Generali insurance packages available Generali travel insurance coverage How to make a Generali Travel Insurance claim Safeguard yourself against high currency conversion fees with Wise

What is Generali Travel Insurance Malaysia?

Generali travel insurance Malaysia offers local and international travel cover for Malaysian citizens and residents, with a variety of different cover options based on level of protection required.

You can take out a Generali annual travel insurance, or choose single trip cover. Protection is available for both domestic and worldwide travel. If you’re travelling internationally, you’ll get a quote specific to the area of the world you’re headed off to. Cover may also vary depending on who is on the policy, and any add on features you’ve selected. This Generali travel insurance review covers some key details - Generali also has a quite comprehensive website which offers product disclosure statements, summaries of available benefits and contact information to get a personal quote.

Generali Travel Insurance eligibility

To get insured with Generali you’ll need to meet certain requirements. These can vary based on the plan you pick, so you’ll need to read the policy documents before signing up. General requirements include³:

• You must be a Malaysian citizen, or Permanent Resident, or you must be legally employed in Malaysia - for example with an Employment Pass
• Individual cover is available for people from 18 to 80, but some plans are not available for people above the age of 65
• Family cover can include unemployed and unmarried children from 30 days old to 18 years - or to 23 years old if studying full time in a recognised institution

Types of Generali insurance packages available

You can get a Generali travel insurance plan for domestic trips⁴, or international trips. If you’re taking international insurance, your options may vary based on the country you’re going to. You’ll need to input your destination when you arrange insurance to get a quote. International insurance packages can be offered on a single trip³ or annual basis⁵.

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Generali Travel Insurance plans

Generali single trip travel insurance plans are offered in 2 different categories - VIP and Classic. Generally the VIP insurance is more comprehensive and covers both medical and emergency use, as well as travel inconvenience. The Classic Plan has more of a focus on emergency and medical support, and lower cover limits.

The quote you get, including the costs and cover, depend on the exact details of your trip, and other factors like the age of the people being insured. Annual plans have different options for example. You’ll be given a detailed quote from Generali which includes policy documents for you to review - all the details will be contained in these documents, and you can also reach out to the customer service team to learn more. Here, we’ve included some highlights to give you an idea of your options if you need single trip cover from Generali, for international use.

Generali travel insurance medical coverage

There may be other claim limits which apply to policies, aside from those which we have highlighted. Additionally, other types of claim may be supported. To give an overview this table uses the single trip cover options, for people aged under 65. You can get details of the different packages online in the Generali summary of benefits pages or the PDS documents.

	VIP Plan⁶	Classic Plan⁶
Personal accident - death or disablement	300,000 MYR	100,000 MYR
Accident and illness - overall limit	To a maximum of 300,000 MYR	To a maximum of 50,000 MYR
Emergency evacuation	Unlimited	To a maximum of 1 million MYR

Generali travel-related coverage

Other covers from Generali focus on travel inconveniences. Again, we’ve not included every single category of cover available, and there may be additional limits within the specific policy wording which you’ll need to look out for. Generally the Classic plan has benefits which are limited to medical and emergency use. Here are the headlines.

	VIP Plan	Classic Plan
Lost luggage	Maximum claim 7,500 MYR	Not covered
Luggage delay	Maximum claim 800 MYR	Not covered
Loss of personal money	Maximum claim 7,500 MYR	Not covered
Travel cancellation or curtailment	Maximum claim 20,000 MYR	Not covered
Personal liability	1 million MYR	Not covered

Other categories of cover available with the VIP Plan can include:

• Travel delay, rerouting or overbooking
• Missed connection
• Lost travel documents
• Hijacking
• Home care

Generali Travel Insurance price

To generate a quote for Generali travel insurance you’ll need to enter some details about where you’re going and the package you’re interested in, online. Quotes are generated on an individual basis depending on the duration of your trip, where you’re headed and who is covered by the policy. Policies may also be liable for Service Tax at 8% of premium and Stamp Duty which costs 10 MYR.

The example given in the Generali Single Trip PDS, which is a representative premium for a 3 day trip to Thailand, estimates a cost of 50 MYR for the VIP Individual Standard Plan.

Add-ons for Generali insurance plans

As well as picking from the VIP or Classic plan, you can also decide to add on extras from Generali cover if you need to. These include flight cancellation or rescheduling during your trip, cruise cover and pandemic cover.

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Making a Generali Travel Insurance claim

Depending on your policy you may be able to make your claim online by uploading the required documents to support your case. Details of the paperwork needed in different situations are available on the Generali online claim page, which has a handy search function depending on the scenario⁷.

More common claims such as lost or stolen luggage might require a detailed breakdown of lost items, a report from the airline, or a police report. For a medical claim, you’ll be asked for a medical report, and invoices and receipts for the bills you paid. For more complex situations, more paperwork might be needed - see the details online to gauge what’s needed in your case⁸.

Generali contact details

Depending on the situation you may be able to make a claim online if you need to, and you can always call the Generali team to discuss general queries and to get advice. Here are the Generali contact details you need to know:

Learn more about the documents needed for different claim types	https://www.generali.com.my/claims/travel-insurance
Claims hotline	(+603) 2170 8282
Email	customer.service.gi@generali.com.my

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Travel insurance can make sure you’re never stuck in an overseas emergency. You can also choose the Wise card to make sure you can always spend and make cash withdrawals internationally without running into high, unexpected or unfair fees.

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Sources:

1. Generali travel insurance Malaysia
2. Pricing/fees: Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information
3. Generali travel insurance - Single trip - PDS
4. Generali travel insurance - Domestic PDS
5. Generali travel insurance - Annual PDS
6. Generali summary of benefit - individual, single trip
7. Generali travel insurance - making a claim
8. Generali - online claim