MSIG Travel SafeGuard Insurance

🛡️MSIG Travel SafeGuard Insurance

Smart Protection for Every Adventure

Whether you are exploring solo, traveling with family, or enjoying your golden years, MSIG Travel SafeGuard provides comprehensive protection with digital-first features like WhatsApp emergency assistance and online purchase protection.

👥 Plan Options by Age Group

MSIG offers specific plans tailored to your life stage to ensure you have the right level of protection:

🧒 Children & Adults (15 Days – 64 Years Old)

Choose between Travel Shield (Standard) or Travel Max (High Coverage) plans.
Available for both Single Trip and Annual Cover.
Note: First-time enrollment for Annual Cover must be done before age 65.

👴 Seniors / Elderly (65 – 80 Years Old)

Specifically covered under the Golden Joy plan.
Single Trip: Seniors can purchase this plan for any individual trip up to age 80.
Annual Cover: Only available as a renewal for existing policyholders who were enrolled before age 65 and have remained continuously covered.

🌍 Geographical Areas (Simplified)

📍 Area 1: Asia-Pacific Highlights

Includes Singapore, Thailand, Indonesia, Japan, South Korea, China, Australia, New Zealand, and other neighboring Asian countries.

📍 Area 2: Europe, UK & More

Includes all countries in Area 1, plus the United Kingdom, Europe, Nepal, and Tibet (excludes Russia, Ukraine, and Belarus).

📍 Area 3: Worldwide

Comprehensive global coverage including Area 1 & 2 (excludes high-risk/sanctioned countries like Russia, Iran, and North Korea).

📍 Area 4: Domestic (Malaysia)

Specifically for travel between Peninsular Malaysia and East Malaysia (Sabah/Sarawak).

💰 Why Choose Annual Cover? (Savings Example)

If you are a frequent traveler or business flyer, Annual Cover offers significant value:

📉 Huge Savings: For a traveler (aged 15–64) making 6 trips a year to Area 1 (6–10 days each):
- Buying 6 Single Trip policies (Travel Shield): RM 516.
- Buying 1 Annual Policy (Travel Shield): RM 308.88 (including 8% Service Tax).
- Total Savings: RM 207.12!.
♾️ Unlimited Trips: Fly as often as you like within the policy year, with each trip covered for up to 90 days.

🌟 Core Product Highlights

🩺 Medical Expenses: Reimbursement for illness or injury while overseas, up to RM 500,000.
🌿 Post-Trip Care: Follow-up treatment in Malaysia for up to 30 days, including Traditional Chinese Medicine (TCM).
💬 WhatsApp Support: Instant emergency assistance via WhatsApp at +1 980 499 5888 while overseas.
🛍️ Online Purchase Protection: Protects against fraud when booking travel services online via credit/debit cards or digital wallets.
🏥 Emergency Evacuation: Up to RM 1,000,000 for emergency medical evacuation and repatriation.
🏨 Hospital Income: Daily cash allowance if you are hospitalized overseas.

🧗 Adventurous Activities Covered (At No Extra Cost)

Stay protected while enjoying thrills (applicable to Travel Shield & Travel Max):

🪂 Bungee jumping, Sky diving, and Hang-gliding.
⛷️ Skiing and Snowboarding.
🌊 Jet skiing, Canoeing, and White water rafting.
🥽 Scuba diving (up to 30 meters deep).
🥾 Mountaineering or trekking (below 3,000 meters above sea level).

✈️ Comprehensive Travel Inconvenience

📅 Cancellation & Curtailment: Reimbursement for non-refundable expenses due to death, serious injury, or natural disasters.
⏰ Travel Delay: Cash compensation for every 4 consecutive hours of delay.
🧳 Luggage & Personal Effects: Coverage for loss or damage to your bags, laptops, and personal items.
🏢 Travel Agent Insolvency: Protection against the loss of travel deposits if your travel agent goes bankrupt.

➕ Optional Add-On Benefits

Tailor your plan with additional premium:

🛳️ Cruise Benefit: Protection against excursion cancellations, disruptions, or missed cruise connections.
🏌️ Golf Benefit: Covers damage to golfing equipment, unused green fees, and a Hole-in-One celebratory allowance.
🐱 Pet Benefit: Reimburses pet boarding expenses if your return to Malaysia is delayed by more than 8 hours.

📝 Important Notes & Eligibility

👤 Eligibility: Open to Malaysians, Permanent Residents, Work Permit holders, or those legally employed/residing in Malaysia.
❌ Pre-existing Conditions: No coverage is provided for pre-existing medical conditions. This includes any illness or injury treated or diagnosed within 12 months prior to the trip.
📍 Trip Origin: Every trip must begin and end in Malaysia (except for One Way Cover).
💡 Purchase Timing: Policy must be purchased at least 7 days before your departure for Section 7 (Cancellation) and Section 14 (Loss of Deposit) to be effective.
🛡️ PIDM Protected: Benefits payable are protected by PIDM up to protection limits.