The Best Travel Insurance Plans for Malaysia in 2025
- The best travel insurance plans for Malaysia
- Current Travel Safety in Malaysia
- Is travel insurance required by law to enter Malaysia?
- Why take out travel insurance for Malaysia?
- What Your Travel Insurance for Malaysia Should Cover
- The Cost of Travel Insurance for Malaysia
- How to Pay Less for Your Travel Insurance to Malaysia
- Will your current insurance cover you in Malaysia?
- FAQ
Travel insurance for Malaysia: key takeaways
1. Definition: Travel insurance for Malaysia covers medical emergencies, trip cancellation, and lost personal belongings.
2. Warning: Canada advises against non-essential travel to the east coast of Sabah due to security risks.
3. Key protection: Travel insurance is not mandatory but is strongly recommended for entry into Malaysia for Canadians.
4. Healthcare cost: Private hospital stays in Malaysia can cost over CAD 250 per night for foreign visitors.
5. Price: A one-week travel insurance policy for Malaysia typically costs between CAD 30 and CAD 60.
6. Good to know: All Canadian travellers must complete the mandatory Malaysia Digital Arrival Card (MDAC) before their arrival.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 41 travel insurance policies available in Canada, our experts share here everything you need to know to choose the best travel insurance for Malaysia.
The best travel insurance plans for Malaysia
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | 1.5M CA$ | Suitable for Malaysia, offering comprehensive medical and evacuation benefits. - high medical ceiling - repatriation - timely claims service |
| Cap Assistance 24/24 | 1.5M CA$ | Fitting choice for Canadian travellers with flexible guarantees. - 24/7 helpline - no deductible - cancellation included |
| Tourist Card | 0.75M CA$ | Good value for short tourism and city stays in Malaysia. - solid medical cover - responsive emergency support - fair ceiling |
| Travel Pass Monde | 1.0M CA$ | Comprehensive plan for urban and rural travel. - hospital fees included - broad support - suitable for longer stays |
| Globe Partner | 0.45M CA$ | Basic option tailored for longer visits. - core health guarantees - medical repatriation - includes liability cover |
| Globe Traveller | 0.75M CA$ | Simple solution for low-risk or brief trips to Malaysia. - reliable medical cover - prompt reimbursement - limited cap |
- high medical ceiling
- repatriation
- timely claims service
- 24/7 helpline
- no deductible
- cancellation included
- solid medical cover
- responsive emergency support
- fair ceiling
- hospital fees included
- broad support
- suitable for longer stays
- core health guarantees
- medical repatriation
- includes liability cover
- reliable medical cover
- prompt reimbursement
- limited cap
Current Travel Safety in Malaysia
As of June 2025, Global Affairs Canada advises travellers to exercise a high degree of caution in Malaysia, with specific attention to regional threats and entry formalities.
Here are their four main recommendations.
- Security risks: the east coast of Sabah state is subject to a regional advisory due to the risk of kidnapping and violence. For example, incidents involving armed groups have occurred near Lahad Datu and Sandakan.
- Health risks: infectious diseases such as dengue, malaria, and Japanese encephalitis are present, with outbreaks recorded in both urban and rural areas. Access to care may require advance payment and standards can vary outside major cities.
- Legal constraints: all travellers must complete the Malaysia Digital Arrival Card (MDAC) online up to three days before arrival. Drug offences attract severe penalties, including capital punishment for certain narcotics violations.
- Cultural norms: modest dress is expected at religious sites, such as mosques in Kuala Lumpur. Eating or drinking in public during Ramadan is considered disrespectful in predominantly Muslim communities.
Although not required, travel insurance is strongly recommended by Global Affairs Canada, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Malaysia.
Is travel insurance required by law to enter Malaysia?
No, travel insurance is not mandatory for Canadian citizens to enter Malaysia.
Travel insurance is still highly recommended as medical treatment in private hospitals such as Prince Court Medical Centre or Gleneagles Hospital in Kuala Lumpur can be costly, and immediate payment is usually required. Insurance also helps cover unexpected situations like trip cancellations, baggage loss, or emergency evacuation.
According to our data, 80% of travelers purchase travel insurance before going to Malaysia. This is mainly due to the risk of tropical diseases, high private healthcare costs, and the need for reliable medical support while abroad.
Why take out travel insurance for Malaysia?
It is an essential financial and medical protection for anyone going to Malaysia.
In Malaysia, foreigners are most often directed to private clinics such as Gleneagles Kuala Lumpur or Prince Court Medical Centre, where costs can be substantial and must be paid up front. Public hospitals are available but may have limited English-speaking staff and long wait times, especially outside major cities.
Travel insurance covers medical fees, hospitalization, medication, ambulance transport and emergency repatriation to Canada in the event of a serious incident.
Here are some examples of healthcare costs in Malaysia.
| Example of medical treatment | Cost at Gleneagles Kuala Lumpur | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 7,000 MYR (2,000 CA$) | up to 100% of eligible expenses |
| I broke my tibia (X-ray, cast, and crutch rental) | 4,500 MYR (1,280 CA$) | up to 100% of eligible expenses |
| I need to be repatriated | 60,000 MYR (17,000 CA$) | up to 90-100% of actual costs |
| I have appendicitis (consultation and surgery) | 17,000 MYR (4,800 CA$) | up to 100% of eligible expenses |
These prices are given as an indication and may vary depending on the facilities and regions.
It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.
What Your Travel Insurance for Malaysia Should Cover
Here is a summary table of the main coverages you should look for in a travel insurance policy for Malaysia.
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Pays for care in private hospitals and clinics. We recommend a reimbursement limit of 200,000 CA$ to avoid high out-of-pocket costs. |
| 🚑 Medical evacuation | Covers emergency transport to Canada or another facility if necessary. Minimum recommended limit: 250,000 CA$. |
| 🏨 Hospitalization | Includes surgical and intensive care in major Malaysian cities. Suggest limit above 150,000 CA$ per incident. |
| 💊 Outpatient treatment | Protects against the cost of prescriptions and urgent visits to clinics. Recommend up to 10,000 CA$ in coverage. |
| ✈️ Trip cancellation/interruption | Refunds prepaid costs if trips are cancelled due to illness or emergencies. Choose coverage exceeding 5,000 CA$ per insured. |
| 🧳 Baggage and personal effects | Provides compensation for lost or damaged luggage. Suggested limit: 3,000 CA$ per traveler. |
| 🛡️ Civil liability | Covers injury or damage accidentally caused to others. Aim for at least 1,000,000 CA$. |
| 🏄♂️ Adventure sports cover | Needed for trekking, scuba diving, or similar activities. Confirm policy includes adventure risks for Malaysia. |
We recommend a reimbursement limit of 200,000 CA$ to avoid high out-of-pocket costs.
Minimum recommended limit: 250,000 CA$.
Suggest limit above 150,000 CA$ per incident.
Recommend up to 10,000 CA$ in coverage.
Choose coverage exceeding 5,000 CA$ per insured.
Suggested limit: 3,000 CA$ per traveler.
Aim for at least 1,000,000 CA$.
Confirm policy includes adventure risks for Malaysia.
Travel insurance from local providers or bank cards often has low coverage limits and several exclusions. It is safer to select a recognised insurer offering all-round protection. Compare top options on HelloSafe and subscribe online for instant certification.
The Cost of Travel Insurance for Malaysia
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | 28 CA$ |
| 2 weeks | 45 years old | 49 CA$ |
| 1 month | 35 years old | 72 CA$ |
| 1 month | 70 years old | 169 CA$ |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The cost of travel insurance for Malaysia is influenced by several elements: your age, the length of your stay, your destination, and the level of coverage you select, including cancellation options. Keeping these factors in mind is crucial to finding a policy that fits your needs and budget for a worry-free trip.
💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
👉 Compare the best travel insurance for freeI compareHow to Pay Less for Your Travel Insurance to Malaysia
Here are some suggestions to optimize the cost of your travel insurance to Malaysia while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🗓️ Trip duration | Longer insurance periods mean higher costs, especially since Malaysia allows up to 90-day visits. | Only insure yourself for the exact days you’ll be in Malaysia for the best price. |
| 👥 Traveller's age | Older travellers are often charged higher premiums for health risks, even for trips to Malaysia. | Compare quotes from several providers. The insurer Heymondo does not increase its prices for people over 62. |
| 🌏 Geographical coverage | Worldwide cover is more expensive than South-East Asia/Malaysia-only plans. | Select Southeast Asia or Malaysia only for coverage to reduce your premium cost. |
| 🛫 Level of coverage | Higher medical and assistance limits cost more, but very high sums are not always necessary. | Choose a plan with medical coverage at least CA$100,000 and avoid overly high limits for savings. |
| 👜 Baggage and valuables | Luggage protection increases the price, especially for high-value items or electronics. | Limit coverage to essential items only and avoid insuring non-essential electronics. |
| 👨👩👧👦 Number of insured | Group rates can be more advantageous for families or group travelers. | Request family or group policies—rates are often lower per person for shared coverage. |
| 🏄 Activity exclusions | Adventure or sports coverage costs extra and is often unnecessary unless planning risky activities. | Remove hazardous sports/extensions unless you will be participating in such activities. |
Will your current insurance cover you in Malaysia?
It is completely legitimate to wonder whether your existing coverage—such as credit card insurance or your public health system—can protect you during a trip to Malaysia. Unfortunately, this coverage is often limited or insufficient for international travel. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Malaysia? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (provincial health plan) | Never | No coverage outside Canada, no medical care, hospitalization, or direct payment abroad. | Travel insurance covers up to CA$1,000,000 for medical care, evacuation, and hospitalization. |
| Private health insurance | Limited coverage | Possible partial reimbursement after returning to Canada, usually excludes emergency repatriation or advance payment abroad. | Travel insurance covers up to CA$1,000,000, including emergency repatriation, evacuation, and hospital care. |
| Classic credit card (Visa Classic, Mastercard Standard) | Limited coverage | Medical expenses under CA$25,000, rarely covers trip cancellation or baggage, limited support overseas. | Travel insurance provides up to CA$1,000,000 for medical, trip cancellation, and assistance 24/7. |
| Premium credit card (Visa Infinite, World Elite Mastercard) | Limited coverage | Medical expenses up to CA$75,000–150,000, some baggage or trip delay, strict conditions on pre-existing conditions. | Travel insurance insures up to CA$1,000,000, and includes missed connection, lost luggage, and high medical limits. |
Example
In Langkawi, Mark's severe dengue fever led to a CA$25,000 hospital bill. His TD Aeroplan Visa's included insurance had a low cap, covering only CA$5,000. His provincial health plan paid almost nothing. Without comprehensive travel insurance, he faced a staggering CA$20,000 bill for a common tropical illness.
Expert advice
Many credit cards and provincial health plans exclude key situations like trip interruption for a family emergency. Carefully read your existing policies to avoid surprises abroad. For true peace of mind, it's always safer to purchase dedicated travel insurance tailored to your specific trip.
FAQ
Do I need a visa to travel to Malaysia?
Canadian citizens do not need a visa to visit Malaysia for up to 90 days when travelling for tourism. However, your passport must be valid for at least six months beyond your date of departure from Malaysia. You must also complete the Malaysia Digital Arrival Card (MDAC) online before arrival.
How do I purchase travel insurance for Malaysia?
1/ Compare: Start by using the HelloSafe travel insurance comparison tool to compare coverage and prices for Malaysia.
2/ Check cover and exclusions: Ensure your plan covers medical emergencies, hospitalization, and other situations specific to Malaysia, paying close attention to any exclusions.
3/ Buy online: Secure your chosen policy easily through the insurer’s website.
4/ Receive your certificate: Confirmation and coverage documents are sent directly to your email.
Will my credit card insurance be enough for a trip to Malaysia?
Most classic credit card insurance policies limit medical coverage amounts and may exclude key risks such as trip interruption or lost luggage. For Malaysia, check your card’s policy carefully and consider a comprehensive travel insurance plan to secure the higher coverage often required.
Are there any special health precautions for Canadian travelers to Malaysia?
Malaysia has several health risks, including dengue, malaria, and hepatitis A and B. It is wise to be up to date on routine vaccinations and consider additional recommended vaccines for the region. Insect precautions are important due to mosquito-borne illnesses, and safe food and water practices are advised.
Can I purchase travel insurance if I am already in Malaysia?
Most Canadian insurers require that you purchase travel insurance before leaving Canada, but a limited number may allow you to buy coverage while already abroad. If you are already in Malaysia, read the insurer’s terms carefully regarding coverage limits and any waiting periods before coverage starts.
What should I do if I need emergency medical care in Malaysia?
In case of a medical emergency, seek care at a major hospital in a larger city, where the quality is generally better. Contact your insurer’s emergency assistance number as soon as possible to coordinate payment or emergency evacuation. Always keep your insurance policy and emergency numbers accessible during your trip.
Do I need a visa to travel to Malaysia?
Canadian citizens do not need a visa to visit Malaysia for up to 90 days when travelling for tourism. However, your passport must be valid for at least six months beyond your date of departure from Malaysia. You must also complete the Malaysia Digital Arrival Card (MDAC) online before arrival.
How do I purchase travel insurance for Malaysia?
1/ Compare: Start by using the HelloSafe travel insurance comparison tool to compare coverage and prices for Malaysia.
2/ Check cover and exclusions: Ensure your plan covers medical emergencies, hospitalization, and other situations specific to Malaysia, paying close attention to any exclusions.
3/ Buy online: Secure your chosen policy easily through the insurer’s website.
4/ Receive your certificate: Confirmation and coverage documents are sent directly to your email.
Will my credit card insurance be enough for a trip to Malaysia?
Most classic credit card insurance policies limit medical coverage amounts and may exclude key risks such as trip interruption or lost luggage. For Malaysia, check your card’s policy carefully and consider a comprehensive travel insurance plan to secure the higher coverage often required.
Are there any special health precautions for Canadian travelers to Malaysia?
Malaysia has several health risks, including dengue, malaria, and hepatitis A and B. It is wise to be up to date on routine vaccinations and consider additional recommended vaccines for the region. Insect precautions are important due to mosquito-borne illnesses, and safe food and water practices are advised.
Can I purchase travel insurance if I am already in Malaysia?
Most Canadian insurers require that you purchase travel insurance before leaving Canada, but a limited number may allow you to buy coverage while already abroad. If you are already in Malaysia, read the insurer’s terms carefully regarding coverage limits and any waiting periods before coverage starts.
What should I do if I need emergency medical care in Malaysia?
In case of a medical emergency, seek care at a major hospital in a larger city, where the quality is generally better. Contact your insurer’s emergency assistance number as soon as possible to coordinate payment or emergency evacuation. Always keep your insurance policy and emergency numbers accessible during your trip.
