Travel insurance for Malaysia

Travel insurance for Malaysia




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Many travellers only catch a fleeting glimpse of Malaysia on their way to another destination. Kuala Lumpur international airport in Malaysia’s capital is one of the busiest airports in the world, and a popular stopover on long-haul flights to other parts of Asia and beyond.

However, the travellers that give Malaysia a closer look are often rewarded with thriving multicultural cities, unique cuisine and sprawling prehistoric rainforests. The country is an exciting alternative to other well-known destinations in Southeast Asia, but like any international holiday, travelling there requires research, preparation and the protection of comprehensive travel insurance.

What does SCTI cover in Malaysia?

When you protect yourself with our award-winning TravelCare policy, you also gain access to our worldwide emergency assistance team, who are there to help 24 hours a day, 7 days a week.

Our comprehensive TravelCare insurance includes cover for:

  • Unlimited medical and evacuation expenses that arise due to unexpected events while on your journey
  • Cancellation fees and lost deposits – increase your cover depending on the cost of your journey
  • Damaged or lost baggage
  • Personal items if they are stolen or damaged
  • Rental car excess should you have an accident
  • Emergency dental treatment
  • Funeral costs

Is Malaysia dangerous for travellers?

Malaysia is generally considered a safe and welcoming destination for international travellers, with improving tourist infrastructure and a steadily rising number of yearly visitors. They come to enjoy Malaysia’s buzzing cities, colourful shrines, stunning parks and forests, and idyllic beaches. recommends that visitors exercise normal safety precautions when travelling to the country.

Remember, your travel insurance does not provide cover for destinations that have a ‘Do not travel' or 'Avoid non-essential travel' warning on 

If, after you have purchased a policy for a destination, a new travel advisory risk rating of ‘Do not travel' or 'Avoid non-essential travel' warning is issued, please contact us for advice on what you are covered for under your policy.

Kuala Lumpur, Malaysia

Tips on staying safe in Malaysia

No trip to Malaysia would be complete without exploring the country’s culinary delights, including the bustling markets of Kuala Lumpur and the famous hawker stalls of George Town in Penang. However, these attractions may present a few risks that can catch travellers unawares.

Gastro, food poisoning and upset stomachs

Nothing can take the shine off a holiday as quickly as a bout of food poisoning. If you’re planning to explore Malaysia’s spicy street food stalls, it’s a good idea to play it safe and be highly selective about what you eat.

How to avoid getting sick in Malaysia:

  • Street food can be a common cause of upset stomachs, so it may be safer to steer clear altogether to avoid getting sick on holiday.
  • Avoid eating raw foods, including fruit, salad, seafood, vegetables and undercooked meat.
  • Only drink water from sealed bottles and ask for no ice in your drinks.
  • Be cautious of restaurants where you can’t see the kitchen or those that look unclean.
  • Ease into the cuisine if you’re not accustomed to eating spicy foods.

Beach in Malaysia


Unfortunately, pickpocketing can be a problem in most corners of the globe, and Malaysia is no exception. The crowded cities of Kuala Lumpur and Penang are particularly prone to petty thieves, as shown in this CCTV video of a pickpocketing team in a Kuala Lumpur shopping mall.

Thankfully, with some simple precautions, you can outsmart pickpockets and protect your valuables.

How to avoid pickpockets:

  • If you’re spending the day shopping at the mall, be mindful of the bags you’re carrying and the message they send to would-be thieves. If you’re flaunting an armful of bags from luxury brands, you’re more likely to attract unwanted attention than if you were holding no-name brands. If you do treat yourself at some expensive stores, place these bags inside other less recognisable ones.
  • Take extra care of your valuables when travelling in crowded areas like train stations and markets. Pickpockets love these areas and use the scrum of people to their advantage.

Are my phone and laptop covered if they get stolen in Malaysia?

Our TravelCare policy can provide cover for your electronic items if they are lost, stolen or damaged due to an unexpected event.

Laptops, personal computers, tablets and cameras can also be covered up to $3,000 per item to a maximum combined total of $10,000 per journey.

If you intend on travelling with electronics worth more than the dollar values above (and you want to have them covered on your policy), you’ll need to specify the items and pay an additional premium when you purchase your policy.

Penang, Malaysia

Medical and emergency cover

Whether it’s a slip and fall in one of Malaysia’s many rainforests, or a Kuala Lumpur curry that didn’t go down well, you can travel with confidence knowing your TravelCare policy can help foot the bill for unexpected events.

Remember to read the terms of your policy carefully to understand when you are and aren’t covered. For example, your travel insurance may not cover you if you’re injured while under the influence of alcohol or drugs.

More tips for travelling to Malaysia

Like any international holiday, you’ll get the most out of your journey to Malaysia with the right preparation, research and travel insurance. Be sure to subscribe to our email newsletter to receive insider travel tips, exclusive discounts and exciting promotions.



What you need to know

This article may contain hyperlinks to other websites owned or operated by third parties, or references to third party products or services. SCTI isn’t responsible for, and makes no recommendation about, the content or accuracy of any third party website, or for the suitability or performance of any product or service. The inclusion of a link in this article doesn’t imply that SCTI endorses the website or third party product/service.

This page provides a summary of the key terms only. As with all insurance policies, terms and conditions apply. For our terms and conditions (including information about exclusions, excesses and sub limits) we recommend you read the travel insurance policy document.


*Terms and conditions apply to the promotion and to the purchase of a TravelCare policy.

Issued and underwritten by Southern Cross Benefits Limited trading as Southern Cross Travel Insurance. 

We are a Registered Financial Service Provider and a member of the Insurance & Financial Services Ombudsman Scheme.  Southern Cross Benefits Limited has an A (Strong) financial strength rating given by Standard & Poor's (Australia) Pty Ltd. The rating scale is: AAA (Extremely Strong) AA (Very Strong) A (Strong) BBB (Good) BB (Marginal) B (Weak) CCC (Very Weak) CC (Extremely Weak) SD or D (Selective Default or Default) R (Regulatory Supervision) NR (Not Rated). Ratings from 'AA' to 'CCC' may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories.  Full details of the rating scale are available at Standard & Poor's (Australia) Pty Ltd is an approved agency under the Insurance (Prudential Supervision) Act 2010.

All our travel insurance policies (including but not limited to the benefits, terms, conditions and exclusions) and premiums quoted are subject to change.

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