What are the best travel insurances for Malaysia in 2025?
- The best travel insurance for Malaysia
- Is it currently safe to travel to Malaysia?
- Is travel insurance required for the visa to Malaysia?
- Why take out travel insurance for Malaysia?
- Travel insurance coverage for Malaysia
- The cost of travel insurance for Malaysia
- How to Pay Less for Your Travel Insurance to Malaysia
- Can I rely on my current insurance to cover me in Malaysia?
- FAQ
Travel insurance for Malaysia: key takeaways
1. Definition: Travel insurance for Malaysia covers medical emergencies, trip cancellation, and other unforeseen travel disruptions.
2. Warning: The US advises against travel to eastern Sabah due to terrorism and kidnapping risks.
3. Key protection: Travel insurance is not mandatory for US citizens but is highly recommended for financial protection.
4. Healthcare cost: Private hospital care is good but can be costly, averaging $100-$300 per night.
5. Price: A one-week travel insurance policy for Malaysia typically costs between $30 and $60.
6. Good to know: Ensure your policy covers adventure activities like scuba diving or jungle trekking if planned.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 38 travel insurance policies available in the US, our experts share everything you need to know to choose the best travel insurance for Malaysia.
The best travel insurance for Malaysia
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1M | Top recommendation for trips to Malaysia. - high medical cap - covers evacuation - comprehensive guarantees |
| Cap Assistance 24/24 | $1M | Reliable pick for Malaysia. - 24/7 medical helpline - no deductible - hospital care included |
| Tourist Card | $500k | Suitable for tourism and short visits. - solid medical coverage - emergency assistance - value pricing |
| Travel Pass Monde | $700k | Balanced plan for various trip types. - repatriation - hospital treatments abroad - efficient claims process |
| Globe Partner | $300k | Covers essentials for longer or study stays. - necessary medical care - civil liability - repatriation |
| Globe Traveller | $500k | Practical solution for shorter holidays. - medical emergencies covered - efficient reimbursement - limited maximum |
- high medical cap
- covers evacuation
- comprehensive guarantees
- 24/7 medical helpline
- no deductible
- hospital care included
- solid medical coverage
- emergency assistance
- value pricing
- repatriation
- hospital treatments abroad
- efficient claims process
- necessary medical care
- civil liability
- repatriation
- medical emergencies covered
- efficient reimbursement
- limited maximum
Is it currently safe to travel to Malaysia?
As of June 2025, the US Department of State maintains a Level 1: exercise normal precautions advisory for most of Malaysia, with Level 2 (increased caution) applying to eastern Sabah State due to security threats.
Here are their four main recommendations.
- Security risks: kidnapping risks from armed groups persist in eastern Sabah, particularly coastal and island destinations near Lahad Datu and Semporna. Petty crime such as purse snatching is also reported in busy areas of Kuala Lumpur.
- Health risks: there are no mandatory vaccinations, but diseases like dengue, malaria, and Zika are present. Air quality in cities such as Kuala Lumpur and Penang often deteriorates during the dry season due to regional fires.
- Legal constraints: participation in demonstrations is strictly prohibited for non-citizens, and violators risk arrest and deportation. Carry personal identification at all times, especially during police checks.
- Cultural norms: modest dress is expected near places of worship, including mosques, particularly in rural areas. Using ride-hailing apps is advised for transportation to avoid scams from unlicensed taxis.
Although not required, travel insurance is strongly recommended by the US Department of State, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Malaysia.
Is travel insurance required for the visa to Malaysia?
No, travel insurance is not mandatory for US citizens visiting Malaysia for stays of less than 90 days.
Travel insurance is still strongly recommended due to the risk of mosquito-borne diseases, unpredictable weather, and the fact that US health plans do not provide coverage in Malaysia. Having coverage for medical expenses and repatriation protects travelers from unexpected costs in case of illness, accident, or evacuation.
According to our data, 80% of travelers purchase travel insurance before going to Malaysia. This is because of health concerns, the cost of private medical care, and safety risks in some regions.
Why take out travel insurance for Malaysia?
It is an essential financial and medical protection for anyone going to Malaysia.
In Malaysia, private hospitals like Gleneagles Kuala Lumpur or Pantai Hospital in Penang provide high-quality care but often require foreign patients to pay in advance. Without insurance, hospitalization or emergency surgery can quickly become expensive, especially in cities popular with tourists. While public hospitals exist, language barriers and long wait times are common, so private care is often preferred for foreigners.
Travel insurance covers medical fees, hospitalization, medication, ambulance transport and emergency repatriation to the US 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 | RM 5,000 (approx. $1,100) | up to full reimbursement |
| I broke my tibia (X-ray, cast, and crutch rental) | RM 2,800 (approx. $600) | up to full reimbursement |
| I need to be repatriated | RM 100,000 (approx. $22,200) | up to full reimbursement |
| I have appendicitis (consultation and surgery) | RM 20,000 (approx. $4,400) | up to full reimbursement |
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.
Travel insurance coverage for Malaysia
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers emergency medical care, hospitalization and medications in Malaysia. We recommend a reimbursement limit of at least $100,000. |
| 🚑 Emergency evacuation | Covers medical evacuation to the US or the nearest qualified center in Southeast Asia. We recommend a reimbursement limit of at least $200,000. |
| 🛌 Hospitalization | Covers accommodation and in-hospital care costs if you need to be admitted. We recommend a minimum of $50,000. |
| 💊 Repatriation | Covers the cost of returning to the US if your condition requires care at home or in the event of death. A recommended minimum is $100,000. |
| 💼 Luggage protection | Covers lost, stolen, or damaged luggage and personal effects during your trip. We recommend a minimum of $2,000 per person. |
| ✈️ Trip cancellation/interruption | Compensates non-refundable costs if you have to cancel or interrupt your trip due to illness or emergency. Reimbursement limit should match your total prepaid expenses, typically $5,000–$10,000. |
| 🌋 Adventure or sports activities | Extends coverage for injuries during trekking, diving, or similar activities in Malaysia. Minimum $25,000 is recommended; check policy exclusions. |
We recommend a reimbursement limit of at least $100,000.
We recommend a reimbursement limit of at least $200,000.
We recommend a minimum of $50,000.
A recommended minimum is $100,000.
We recommend a minimum of $2,000 per person.
Reimbursement limit should match your total prepaid expenses, typically $5,000–$10,000.
Minimum $25,000 is recommended; check policy exclusions.
Travel insurance from local providers or bank cards is often limited, with low maximums and many exclusions. It is safer to choose a trusted insurer with comprehensive coverage. Compare the 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 | $14–$28 |
| 2 weeks | 45 years old | $28–$45 |
| 1 month | 35 years old | $45–$80 |
| 1 month | 70 years old | $100–$180 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The price of your travel insurance policy is determined by several key factors: your age, the duration of your trip, your destination, and the level of coverage, including options like trip cancellation. It is important to keep these elements in mind to select the most suitable and cost-effective plan for your travels.
💡 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 stays generally increase risks and the insurance premium. | Choose exact travel dates to avoid paying extra days or weeks you do not need covered. |
| 🎂 Traveler’s age | Age affects medical risk and cost, especially on longer foreign trips. | Heymondo does not increase prices for people over 62, so consider them if you are in this age group. |
| 🌍 Destinations visited | Visiting high-risk areas (like eastern Sabah) may result in higher premiums. | List only the regions you plan to visit to avoid higher rates linked to high-risk zones. |
| 🏥 Level of coverage | Higher coverage limits offer peace of mind for costly emergencies, but also increase the cost. | Select only needed coverage, but keep at least $100,000 for medical expenses for travel to Malaysia. |
| 👨👩👦 Number of travelers | Group policies may offer discounts for families or groups with the same itinerary. | Check for family or group rates if you travel together, as these can be up to 15% less per person. |
| ✈️ Activities planned | Risks differ for adventure activities such as diving or trekking, which may require extra coverage. | Exclude adventure coverage if not participating in high-risk activities common in Malaysia for a lower price. |
| 🛡️ Deductible choice | Higher deductibles lower the premium but increase out-of-pocket costs if you need to claim. | Opt for the highest deductible you could afford comfortably for maximum savings on your annual premium. |
Can I rely on my current insurance to cover me in Malaysia?
It’s completely legitimate to wonder whether your current coverage, such as credit card insurance or your health plan, could cover you during a trip to Malaysia. Unfortunately, these options are 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 (Medicare, Medicaid) | No, never | No international coverage. No overseas hospital, medical, or evacuation protection. | Travel insurance reimburses $100,000+ for medical care, repatriation, and hospital stay in Malaysia. |
| Private health insurance (Blue Cross, Aetna, Cigna) | Yes, partly | Emergency care abroad sometimes covered, restrictions may apply. No evacuation or baggage coverage. | Travel insurance covers $100,000+ for evacuation, hospital costs, and travel disruptions. |
| Classic credit card (Visa Classic, Mastercard Standard) | Yes, partly | Medical emergencies <$15,000. No baggage, cancellation, or travel delay support. | Travel insurance includes $100,000+ in medical care, trip cancellation, and baggage reimbursement. |
| Premium credit card (Chase Sapphire Preferred, Amex Gold, Citi Premier) | Yes, partly | Medical emergencies <$100,000. Trip delay or lost luggage coverage is limited. | Travel insurance offers $5,000+ for cancellation, $100,000+ for health care and assistance. |
Example
In Langkawi, Malaysia, Tom contracted severe dengue fever. The private hospital bill was $10,000. His US health plan had no overseas coverage, and his premium credit card’s travel insurance only paid $2,500. He was stuck paying the remaining $7,500 out-of-pocket for what started with a simple mosquito bite.
Expert advice
Always check the terms, exclusions, and limits of your existing insurance. Essential situations, like trip interruption for a relative’s illness, might be excluded. Read the conditions carefully to avoid unpleasant surprises abroad. In all cases, it is safer and more reassuring to subscribe a dedicated travel insurance tailored to the trip.
FAQ
Do I need a visa to travel to Malaysia?
U.S. citizens do not need a visa to visit Malaysia for stays of 90 days or less as a tourist or for business purposes. You must have a valid passport with at least six months validity beyond your arrival date and at least one blank page for entry and exit stamps. Always check for updated entry regulations before departure.
How do I purchase travel insurance for Malaysia?
First, compare different plans using the HelloSafe travel insurance comparison tool. Next, check the coverage details and exclusions, specifically those related to Malaysia, such as emergency medical care and travel interruption policies. Then finalize your purchase online with your chosen provider. You will immediately receive your insurance certificate via email.
Are there any health risks to be aware of when traveling to Malaysia?
Malaysia does not require special vaccinations for entry, but it is advisable to have routine immunizations up to date. Be aware of mosquito-borne illnesses like dengue, malaria, and Zika, especially if visiting rural or forested areas. Consider using mosquito repellent and taking other precautions, such as wearing protective clothing.
What should I do if I lose my passport or need emergency assistance in Malaysia?
If you lose your passport or require emergency help, contact the nearest U.S. embassy or consulate. Enrolling in the Smart Traveler Enrollment Program (STEP) before your trip will help authorities provide timely assistance and communicate emergency information if needed.
Does travel insurance cover adventure activities in Malaysia?
Not all travel insurance policies cover adventure activities such as scuba diving, hiking, or jungle trekking. If you plan to participate in these activities, review your policy’s exclusions and consider adding optional coverage for high-risk sports to ensure you are fully protected.
How long before my trip should I buy travel insurance for Malaysia?
It is recommended to purchase travel insurance as soon as you finalize your travel bookings to get the most benefit. Early purchase often ensures coverage for trip cancellation, delays, or unforeseen events that may occur before your departure for Malaysia.
Do I need a visa to travel to Malaysia?
U.S. citizens do not need a visa to visit Malaysia for stays of 90 days or less as a tourist or for business purposes. You must have a valid passport with at least six months validity beyond your arrival date and at least one blank page for entry and exit stamps. Always check for updated entry regulations before departure.
How do I purchase travel insurance for Malaysia?
First, compare different plans using the HelloSafe travel insurance comparison tool. Next, check the coverage details and exclusions, specifically those related to Malaysia, such as emergency medical care and travel interruption policies. Then finalize your purchase online with your chosen provider. You will immediately receive your insurance certificate via email.
Are there any health risks to be aware of when traveling to Malaysia?
Malaysia does not require special vaccinations for entry, but it is advisable to have routine immunizations up to date. Be aware of mosquito-borne illnesses like dengue, malaria, and Zika, especially if visiting rural or forested areas. Consider using mosquito repellent and taking other precautions, such as wearing protective clothing.
What should I do if I lose my passport or need emergency assistance in Malaysia?
If you lose your passport or require emergency help, contact the nearest U.S. embassy or consulate. Enrolling in the Smart Traveler Enrollment Program (STEP) before your trip will help authorities provide timely assistance and communicate emergency information if needed.
Does travel insurance cover adventure activities in Malaysia?
Not all travel insurance policies cover adventure activities such as scuba diving, hiking, or jungle trekking. If you plan to participate in these activities, review your policy’s exclusions and consider adding optional coverage for high-risk sports to ensure you are fully protected.
How long before my trip should I buy travel insurance for Malaysia?
It is recommended to purchase travel insurance as soon as you finalize your travel bookings to get the most benefit. Early purchase often ensures coverage for trip cancellation, delays, or unforeseen events that may occur before your departure for Malaysia.
