Free RM225Unlimited trips in 12 months. Cheaper than buying 3 single-trip policies.
An annual travel insurance plan covers unlimited trips within 12 months for one flat premium. A single-trip policy covers only one specific journey. Here is how they compare:
| Feature | Annual Plan | Single Trip |
|---|---|---|
| Coverage period | 12 months, renews annually | Fixed departure & return dates only |
| Number of trips | Unlimited trips per year | One specific journey |
| Cost for 3+ trips | RM180–280 flat (ASEAN) | RM165–255+ per 3 trips |
| Best for | Frequent travellers (3+ trips/year) | Occasional travellers (1–2 trips/year) |
Verdict: Yes — if you travel internationally 3 or more times per year, an annual plan almost always saves money. The break-even point for most ASEAN annual plans is 2–3 trips.
| Option | Cost | Saving |
|---|---|---|
| 3 × single-trip ASEAN (7-day each @ RM85) | RM255 | — |
| Annual ASEAN plan (unlimited trips) | RM180–200 | Save RM55–75 |
* Approximate rates. Actual premium varies by age, insurer and coverage level. Get a quote direct from insurer for exact price.
Beyond cost savings, an annual plan also removes the hassle of buying travel insurance before each trip. Your coverage activates automatically the moment you depart Malaysia — no forms to fill, no waiting period per trip.
Approximate annual premium for a single adult under 40, ASEAN coverage. Actual prices depend on age, coverage tier and optional riders. Always get a direct quote before buying.
| Insurer | ASEAN Plan (approx.) | Worldwide Plan (approx.) | Max days/trip | Shopee? |
|---|---|---|---|---|
| Allianz | RM180–240 | RM350–600 | 90 days | Yes |
| Etiqa | RM160–220 | RM320–550 | 60 days | — |
| AIG | RM200–288 | RM400–700 | 90 days | — |
| Tune Protect | RM80–150 | RM200–450 | 60 days | — |
| Zurich Takaful | RM180–250 | RM380–650 | 90 days | Yes |
Prices are approximate estimates for illustration only. Get a direct quote from each insurer for your exact age, coverage area and plan tier. Source: insurer websites, verified June 2026.
Shopee Insurance offers Allianz annual travel plans and Zurich Takaful annual plans (launched May 2025) — both available direct through the Shopee app. Benefits of buying on Shopee:
Best price, instant coverage
⏰ Flash sale — limited stock
Kaedah pembayaran:
Medical Expenses Overseas
Hospital treatment, surgery, and medication if you fall sick or get injured abroad. Coverage limits range from RM100,000 (basic) to RM500,000+ (comprehensive).
Emergency Medical Evacuation
Air ambulance transport to the nearest appropriate hospital or back to Malaysia. An evacuation can cost RM50,000–200,000 without coverage.
Trip Cancellation
Reimbursement for non-refundable flights and hotel bookings if you must cancel due to illness, injury or covered events. Limits typically RM5,000–20,000.
Baggage Loss & Delay
Compensation for lost, stolen, or damaged luggage. Baggage delay benefit covers emergency purchases when bags arrive late.
Flight Delay Compensation
Cash benefit for significant flight delays (typically 4–6 hours or more). Covers meals and accommodation costs during the delay.
Personal Accident
Lump-sum payment for accidental death or permanent disability occurring during your trip. Separate from medical expense coverage.
Personal Liability
Covers you if you accidentally injure someone or damage their property while travelling. Limits typically RM500,000–1,000,000.
COVID-19 Coverage
Most plans now include COVID-19 medical treatment and trip cancellation. Check policy terms — some only cover hospitalisation, not mild cases.
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