Travel PA provides cover for travellers within and outside the country.  Benefits covered under a Travel PA insurance usually include but may not be limited to death, disablement, medical expenses, loss of baggage, delayed flights, curtailment of travel due to unforeseen circumstances, loss of credit cards & personal effects, personal liability, hijacking, etc. 

Most Travel PA insurance policies will include a repatriation benefit in the event accident or death.

Travel PA Policy should be taken up at least 2-3 days before travel.  There is usually a maximum period of cover of about 6 months.

Premium is dependent on amount of benefits, number of days of travel, and the geographical locations of travel.

Your vacation should be a memorable and incident-free experience.  It should leave you rejuvenated and ready to face your daily challenges at work or home upon your return.

But this may not always be the case as some vacations do not turn out the way we anticipate.  Occasionally, there may be flight delays or reschedules, loss or delayed baggage, or loss of travel documents.  Falling sick or meeting with an accident while on vacation is not unheard of.  Even more serious incidences can happen as well.

That is why Travel PA is a must when you are going away on your business or holiday travels.  You do not know when you may need it.  Sometimes travellers realize too late they had left home without adequate protection when an unfortunate incident occurs.  For example, on one occasion, while a client’s family was on vacation in Australia, the 4 year old daughter was mauled by a friend’s dog.  She had to be admitted into hospital for treatment for a day which included stitches on her face.  This incident would have set them back by a few thousand Aussie Dollars had they not purchased a Travel PA.

The Travel PA has many features to cater to the needs of different travellers, whether it’s for business or pleasure, short or long trips, and near or far destinations around the world.  The features of a comprehensive Travel PA include some of the following:

1) Accidental Death and Permanent Disablement up to RM300,000
2) Medical and Hospitalisation expenses of up to RM300,000
3) Emergency Medical Evacuation and Repatriation
4) Loss or Damage to travel baggage and personal effects
5) Cost of replacement of passports, travel documents, flight tickets and personal money.
6) Compensation for travel and baggage delays
7) Reimbursement for travel curtailment or cancellation
8) Hijacking inconvenience
9) Indemnity for legal liability towards third parties
10) Compensation for damages to home contents while you are travelling
11) Ransom payment as a result of kidnapping or taken hostage outside Malaysia.

The Travel PA provides immediate activation and comprehensive 24 hour coverage of the features above.  In addition, there are also compassionate visitation benefits, follow-up medical treatment upon return, child care benefit, etc.  There is also a 24-hr emergency assistance wherever you are in the world.

The premium is affordable making up less than 1% of the cost of travel.  So if you are planning your travel, remember not to leave home without it.  We will be more the happy to make your travel a memorable one.