8 ways travel insurance can protect you from common travel mishaps

When planning a trip, do you briefly contemplate getting travel insurance, only to think “Nah, it’s not like anything bad will happen to me…”? Unfortunately, if you’re waiting for something bad to happen before you get travel insurance, it’s already too late.

For most Malaysians, they would only think about purchasing travel insurance if they’re traveling over long distances or to high-risk destinations. However, it’s a good idea to be insured no matter where you’re headed, as you never know what may happen.

Luckily, Traveloka has partnered with trusted insurer Chubb Insurance Malaysia Berhad to offer customers comprehensive travel insurance plans that will allow them to travel worry-free. In addition to that, the premium is affordable (from as low as RM15 for return domestic flights and RM42 for return international flights) and well worth the benefits of the insurance coverage provided.  

Still not sure whether getting travel insurance is necessary? Here are 8 common travel woes that all travelers may encounter, which can be easily overcome with Chubb Travel Protection:


1. Your flight is running late and you’re left waiting… and waiting…

While waiting for your flight in the Departure area, you hear an announcement over the PA system saying that your flight will be delayed by at least another six hours!

For any delays caused by civil commotion, industrial action, adverse weather conditions or mechanical breakdown, you can get up to RM200 for every six hours your flight is delayed. If you miss a connecting flight due to the delay and you’re stranded because there are no alternative flights available, you are eligible to receive a maximum of RM1,000.


2. Oh no! A slick pickpocket steals your vital travel documents

No matter how cautious you have always been with your personal belongings, there is always a chance of being outsmarted by pickpockets (or robbed) while on a holiday. So, what happens if you find your purse or wallet missing while jostling with the crowd to get a better view of a top tourist attraction?.

For the above scenario, you’re eligible to receive RM1,000 for domestic travelers and up to RM1,500 for those traveling overseas — provided you file a report with the local police and other relevant authorities within 24 hours of the loss. This protection scheme covers loss of  passport, visas, travel tickets, identity card and driving license.


3. Your checked-in or hand-carry baggage is damaged (or worse, MIA!)

Sometimes, we encounter baggage handlers that behave more like baggage bashers, and boy, do they show no mercy. We’ve all heard horror stories of our checked-in baggage or sometimes, carry-on luggage getting damaged or lost while in transit. With Chubb Travel Protection, if your baggage or personal effects were damaged or lost during the course of your travels, you may receive compensation of up to RM2,500.


4. You’re forced to cancel your trip due to unforeseen circumstances

Ever find yourself fighting back tears of regret when you had to burn your trip that is not covered by travel insurance?

But with travel insurance, it’s not a complete loss. If you can’t make the trip due to unforeseen circumstances such as a sudden illness or injury, or your flight was cancelled due to a strike or natural disaster, then you may get between RM3,500 to RM8,000 in benefits, depending on your insurance plan.


5. Your checked-in baggage takes the scenic route and is delayed

So there you are, waiting in the Baggage Claim area — one by one, everyone else picks up their baggage, but yours doesn’t make an appearance, much less a grand one. Now you’re stuck with neither clothes nor even a toothbrush.

If your baggage hasn’t reached your destination within six hours of your arrival, you can make a claim for up to RM500, which should help you cover expenses for essential items such as spare change of clothes, toiletries and other daily necessities until you can get your things back. Phew.


6. You need medical attention (touch wood!)

If you require medical treatment or hospitalization as a result of an accident or illness, as foreign tourists, you can easily rack up astronomical bills which only adds more worries to an already stressful situation.

If you’re covered by travel insurance, you will be covered for personal accident, medical expenses, medical evacuation, Repatriation of Mortal Remains, daily hospital income and others.

Get protected even when you get home! Do you know that some plans also include post-journey medical insurance? Let’s say, you contracted a fever during your trip and are still not feeling better even after you arrived in Malaysia. This travel insurance will make sure you won’t have to fork out expenses for post-journey medical treatment.


7. “Not my Samsung S10 too!” All your electronic devices  are stolen/lost

We can feel the color draining from our faces just by thinking about it. Losing personal belongings, including your smartphone, camera and laptops can be your worst nightmare, as replacing them don’t come cheap.

With travel insurance, all hope is not lost. Whether you’ve lost your phone, bags and computer — yes, even your expensive MacBooks! — or had them stolen, rest easy as you are covered for RM500 per item with a maximum amount of RM2,500.


8. Your journey is covered from start to finish

It could happen to anyone, anywhere. Should anything goes awry during your travels, insurance for round-trip flights will make sure your journey is covered from the start of your journey until you safely reach back home. Travel with peace of mind, knowing that you are covered in any eventuality for the first 45 days of any journey unless stated otherwise.

Don’t be caught off-guard — be prepared with Chubb Travel Protection, available when you book your flights through Traveloka. For more detailed information, including policy wordings, be sure to check out:

Chubb Travel Protection is underwritten by Chubb Insurance Malaysia Berhad (‘Chubb’). Chubb is a general insurance company licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia. Please refer to the policy wording or the full details of benefits, terms and exclusions that are applicable. The information provided here is a brief summary for quick and easy reference. The exact terms and conditions that apply are stated in the policy wording.

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