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

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Travel insurance covers you if you lose your luggage, hit delays, or have an accident or emergency overseas. It offers peace of mind and invaluable help if you run into difficulties abroad. Tokio Marine travel insurance Malaysia¹ offers a broad range of travel insurance options including the popular Tokio Marine Explorer which is available on a single trip or annual basis, with different plan cover levels.

Learn more in our Tokio Marine travel insurance review. Plus we’ll also highlight Wise, which offers international spending with low fees and the mid-market rate, as a way to safeguard against high foreign transaction and conversion fees².

What is Tokio Marine Travel Insurance Malaysia?

Tokio Marine offers a very broad range of insurance types, across motor, home, accident, life, health - and travel insurance. The company operates across many countries in the region, plus the US, UK and Australia. In Malaysia, policies are underwritten by Tokio Marine Insurans (Malaysia) Berhad.

Because Tokio Marine offers such a broad and diverse range of insurance types, this guide focuses mainly on their policies for international travel. The Tokio Marine website is a wealth of information if you’re looking for domestic cover or another type of insurance altogether. For more on policy types, and a deeper dive into the international options available, read on.

Tokio Marine Travel Insurance eligibility

Different insurance policies all have their own rules and eligibility requirements. Some are quite specific to the policy, while others cover more general factors. Some requirements for the most popular Tokio Marine travel insurance policies include:

• You must be a Malaysian citizen, or Permanent Resident, or you must be legally in Malaysia with an Employment Pass or similar
• Individual cover is available on an annual basis for people from 18 to 75
• Individual domestic cover is available on a single trip basis for people from from 30 days old to 80 years
• Individual international cover is available on a single trip basis for people from from 30 days old to 85 years - from age 70 to 85 you’ll need to choose a specific senior cover plan

Double check your preferred plan’s policy documents to make sure you’re clear on the eligibility requirements for your specific cover type.

Types of Tokio Marine insurance packages available

Tokio Marine offers several different types of travel insurance package depending on your particular needs. You’ll be able to choose from:

• Tokio Marine Explorer³
• Tokio Marine Annual Explorer⁴
• Domestic Travel Partner Plus⁵
• Travel Personal Accident⁶
• Golfer insurance⁷

We’ll explore some details about some of these different policy types next.

Tokio Marine Travel Insurance plans

Tokio Marine offers several different insurance plans for travel, including local and domestic cover, personal accident policies and golfers cover. Here we’ve focused on the travel insurance available for international travel, to give an idea of the levels of cover available in different policy types. You can also learn more about the other policy types on the Tokio Marine website or by calling their customer service teams.

Tokio Marine travel insurance medical coverage

International travel insurance from Tokio Marine offers cover which can be broadly split into medical and emergency cover, and travel inconvenience or lifestyle cover. First we’ll look at the cover levels available in the 2 key Tokio Marine international travel insurance policies for emergency and medical purposes.

There are some other areas of cover as well, and some cover levels have additional limits based on the scenario of the claim. This means it’s important that you read through the policy wording carefully before you sign up. To give you a headstart, here are some key pointers.

Tokio Marine travel insurance travel-related coverage

Next, let’s look at a few of the key travel and lifestyle cover elements. Travel inconvenience cover is available on all packages, with varied cover levels. Again, cover varies depending on policy and other items may also be included depending on the specific insurance package you select. Here are some headlines.

Other cover items can include:

• Travel delay
• Missed connection or departure
• Travel overbooked
• Home care
• Agent insolvency
• Fraudulent credit card use

Tokio Marine Travel Insurance price

The price you pay for Tokio Marine travel insurance depends on who is being covered, the policy you choose, how long it’s for and where in the world you’re going. You’ll be able to generate a specific quote to check out all your options.

To give a flavour, an annual plan for an adult could cost between 347 MYR and 927 MYR depending on your destination and the package you pick. You could also add in extreme activities cover for an extra 120 MYR per year.

Add-ons for Tokio Marine insurance plans

In addition to your preferred cover level, you may also be able to pay an extra premium to supplement your policy. Add ons include extreme activities, or covid cover.

Making a Tokio Marine Travel Insurance claim

To make a Tokio Marine insurance claim you’ll need to follow these basic steps⁹:

1. Notify Tokio Marine within 30 days of the incident, using the phone number or email given below
2. Make a police report, or get airline reports and similar, depending on the nature of the claim
3. Gather all the required documents (more on that below)
4. Submit your documents and claim by email

As part of your claim you’ll need paperwork - some of which will be time sensitive, such as getting a police report if your wallet was stolen overseas. It’s a good plan to call Tokio Marine as soon as any incident occurs so you can check what documents will be needed to support your claim - there are 24 hour helplines available to get instant advice.

Once you’re back in Malaysia you’ll need to gather all the required paperwork. In all cases you must provide:

• Travel claim form
• Insurance certificate
• Proof of travel - such as airline tickets or similar
• E-payment form

Beyond this, the documents you have to hand over can vary a lot depending on the claim. For example, you’ll need a medical report and supporting invoices for a medical claim, or a police report if you have items stolen, for example. There are comprehensive lists of the type of documents needed online, and you can also check on the 24 hour claims number, or by emailing: tmim.claimspa@tokiomarine.com.my

Tokio Marine contact details

Tokio Marine offers lots of different ways to get in touch, depending on your query type. There are some key options below, but there’s also a comprehensive list, including a branch locator for face to face service, on the Tokio Marine website contact page¹⁰.

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

If you’re planning to travel soon, plan to bring along the Wise card - which can help you save money on your travel spending.

Open a Wise account online or in the Wise app, and order your card for a low one time fee. Add money in ringgit and convert to any of 40+ currencies, or simply leave your funds in MYR and tap to pay in 150+ countries, with the mid-market rate and low, transparent fees. Use your physical card for contactless payments, add your card to a wallet like Apple Pay, or make ATM withdrawals when you need cash. Even better, Wise offers up to two free overseas ATM withdrawals every month so you’ll always have the payment method you need in your wallet, wherever you are.

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