Comprehensive International Travel Insurance - Z-Travel
Protecting you every step of the way
Whether you’re a first-time traveller or a seasoned global wanderer, we’ve designed this comprehensive policy to protect you when travelling overseas. With a 24-hour coverage and various benefits to cover almost any travel eventuality, you’ll be well protected from the moment you leave home until your return.
Gentle Reminder:
Please note that travelling to war zones is excluded from our coverage.
Kindly stay aware of travel alerts from local authorities and refrain from visiting conflict-ridden areas for your safety.
GREAT NEWS!
With Z-Travel Insurance (International) and Z-Travel Insurance (International) Lite, Covid-19 Optional Add-On is available and you’d be sure to enjoy a worry-free holiday!
For any Travel Assistance, please contact our Service Provider:
Europ Assistance Services (Malaysia) Sdn Bhd
(formerly known as Asia Assistance Services (M) Sdn Bhd)
24 Hour Service Hotline
24-Hour Emergency Medical Assistance Benefits
Protection for Amateur Sports Including Scuba Diving, Winter Sports, Bungee Jumping & More
High Medical Coverage
Home Care Benefits
Rental Car Excess
Personal Accident Coverage
24/7 Worldwide Zurich Travel Assistance
Travel Inconvenience Coverage
Optional Covid-19 Add-On
You can choose from a few plans of coverage to suit your travel plans and your pocket.
Z-Travel Insurance (International) Lite, our online product is made simpler to cater for a seamless checkout.
If you’re looking for a more comprehensive plan, you may purchase Z-Travel Insurance (International) via Zurich authorized agents/ our direct branch.| BENEFIT | Z-Travel Insurance (International) Lite | Z-Travel Insurance (International) | |||
|
Purchase Channel |
Online ONLY | Zurich Authorized Agents | |||
| Plans Limit |
Basic Limit (RM) |
VIP Limit (RM) |
Sliver Limit (RM) |
Gold Limit (RM) |
Diamond Limit (RM) |
| Accidental Death & Permanent Disablement | 100,000 | 300,000 | 300,000 | 300,000 | 500,000 |
| Medical Expenses | 100,000 | 300,000 | 300,000 | 500,000 | Unlimited |
| Emergency Medical Evacuation & Repatriation | 1 mil | 1 mil | Unlimited | Unlimited | Unlimited |
| Travel Cancellation/ Curtailment | x | 20,000 | 20,000 | 25,000 | 30,000 |
| Travel Delay (up to) |
3,600 (min. 6 hours) |
7,200 (min. 6 hours) |
3,600 (min. 6 hours) |
3,600 (min. 6 hours) |
7,200 (min. 6 hours) |
| Baggage Delay (up to) |
800 (min. 6 hours) |
1,600 (min. 6 hours) |
800 (min. 6 hours) |
800 (min. 6 hours) |
2,000 (min. 6 hours) |
| Personal Liability | x | x | 1 mil | 1 mil | 1 mil |
| Home Care Benefit | x | 3,000 | 2,000 | 3,000 | 5,000 |
| Special Coverage (Amateur Sports Including Scuba Diving, Winter Sports, Bungee Jumping & More) | 100,000 | 300,000 | 300,000 | 300,000 | 500,000 |
| Emergency Cash | x | x | 5,000 | 5,000 | 5,000 |
*Please refer to the policy wording for full benefits, terms and conditions under this product.
The countries covered under this plan are categorised into three areas:
Area 1
Australia, Bangladesh, Bhutan, Brunei, Cambodia, China [excluding Tibet & Mongolia (Inner & Outer)], Hong Kong, India, Indonesia, Japan, Korea, Laos, Macau, Maldives, Myanmar, New Zealand, Pakistan, Philippines, Singapore, Sri Lanka, Taiwan, Thailand, Vietnam.
Area 2
Worldwide excluding Canada, Mongolia (Inner & Outer), Nepal, Tibet and USA.
Area 3
Worldwide.
| Item | Age Limit | ||
|
Insured Person covered under Individual Cover, Individual and Spouse Cover or Family Cover |
Between thirty (30) days old to seventy (70) years old |
||
| Insured Person covered under Senior Cover | Between seventy-one (71) to eighty-five (85) years old | ||
| Child covered under Family Cover | Between thirty (30) days old to seventeen (17) years old, or twenty-three (23) years old if studying as a full-time student | ||
| Insured Person covered under Annual Trip | Between thirty (30) days old to seventy (70) years old, renewed up to eighty-five (85) years old | ||
| Insured Person is a minor | Age seventeen (17) years old or below, the policy must be purchased by his or her parent/ legal guardian | ||
Z- Travel Insurance (International)
Z- Travel Insurance (International) Lite
Meet a Zurich Insurance Agent
Locate Your Nearest Zurich Branch
Contact our Zurich Call Centre
We're Here to Help: Common Questions
Product Related Questions
This is an international travel product that covers you while you are travelling outside of Malaysia, and it is available in both Insurance & Takaful.
- You must be a Malaysian, or non-Malaysian who has a permanent resident status, valid work permit, valid student permit or Malaysia My Second Home (MM2H) status.
- For One-Way Trip, the journey must commence from Malaysia. For Single Trip, the journey must commence from Malaysia & you must return to Malaysia at the end of your journey.
- age limits (all ages refer to the age of your next birthday):
- Individual Cover, Individual and Spouse Cover, Family Cover – 30 days old until 70 years old. For children insured/covered under individual or family cover, the policy/certificate must be purchased/participated in by the parents/legal guardian.
- Child Cover – 30 days old to 17 years old, or 23 years old if studying as a full-time student
- Senior Cover, available for Single Trip and One-Way Trip – 71 until 85 years old. For Annual Trip, senior cover is only applicable for renewal policy/certificate.
- Single Trip: Covers you for a specific returning journey which commence from and return to Malaysia.
- One-Way Trip: Covers you for a specific one-way trip which commence from Malaysia but may or may not return to Malaysia (or the return date to Malaysia is uncertain). For one-way trip, coverage will cease upon arrival at the airport of the first destination country (excluding transit countries). Premium/Contribution shall be determined based on travel duration of 1-5 days.
- Annual Trip: Covers you for multiple journeys within a one-year period.
Yes. There is a maximum travel duration.
Single-Trip: the journey shall not exceed 200 days
Annual Trip: each journey within the year shall not exceed 100 days
This product is not subject to 8% SST.
There are no excluded countries. You must select the Area of Travel based on the countries you are travelling to. However, do take note that Malaysia’s passport is valid for all countries, except Israel. If you intend to go to Israel, you must ensure proper, legal and official entry permit is obtained.
Yes. This product is available for both individual and group.
Individual - individual can purchase/participate in the policy/certificate for himself/herself or extend the cover for his/her spouse and children.
Group - company/association can purchase/participate in the policy/certificate for their employees/members. However, it is important to take note that the person/entity purchasing/participating in the policy/certificate is the policy holder/certificate holder. Therefore, in the event of claims, claims will be payable to the policy holder/ certificate holder.
No. You cannot purchase/participate in a group policy/certificate with your friends if there is no insurable interest/permissible takaful interest between you and the other insured persons/persons covered.
Family plan can be purchased/participated in to cover you, one of your legal spouses and your accompanying child(ren) who must be between 30 days old to 17 years old, or 23 years old if studying as a full-time student at the commencement of the journey. If your child(ren) has exceeded the child’s maximum age as mentioned above, he/she must purchase/ participate in an individual policy/certificate.
If your spouse is not travelling together, you can still purchase/ participate in a family plan to cover yourself and your child(ren).
There is no limit on the number of family members that can apply on family plan. However, the maximum limits payable under the family plan is 300% of the limit and sub-limit stated in the Schedule of Benefits, except for the following benefits in which the limits remain as per the insured person/person covered.
BENEFIT 2 - Overseas Hospital Income
BENEFIT 19 - Accidental Death and Permanent Disablement
BENEFIT 25 to 29 - Special Coverage, Badal Haji, Wakaf, Qurban & Emergency Cash
BENEFIT 33 & 35 - Hospital Allowance & Death due to Covid-19 (if you have selected this ad- on benefits)
With reference to maximum travel duration question, each journey within an annual cover must not exceed 100 days. Since you are travelling more than 100 days, you are advised to purchase/participate in a One-Way Trip, under Area 1 (Hong Kong) with 1-5 days travel duration and coverage.
Yes, as the policy/certificate covers you until you return your home or place of business in Malaysia, it is advisable for you to purchase/participate in the policy/certificate until the date when you expect to return home or place of business.
Once you have departed for your overseas trip, the policy/certificate cannot be amended/extended.
If the policy/certificate is purchased/participated in by you, you will be the policy holder/certificate holder of the policy/ certificate and only the policy holder/certificate holder have the sole right to nominate. However, if your wife wishes to nominate, it is advisable to purchase/participate in an individual policy/certificate, instead of family plan.
- Single Trip and One-Way Trip - no cancellation is allowed once the policy/ certificate has been issued.
- Annual Trip – you may at any time cancel this policy/certificate, in which case we will retain the customary short period rates for the time the policy/certificate has been in force, provided no claim has been or will be submitted by you.
Yes. This product provides coverage when you are travelling overseas, including for the purpose of performing Umrah or Hajj.
As this is an international travel product that covers you while you are travelling outside of Malaysia, it does not cover any domestic/inbound travel. However, the coverage begins at the time you leave your home or place of business in Malaysia for the purpose of commencing the travel abroad and ends at the time you return to your home or place of business in Malaysia.
As this is an international travel product that covers you while you are travelling outside of Malaysia, it does not cover any domestic/inbound travel including the ground tour activity in Malaysia. However, we do cover you when you are in your cruise journey outside of Malaysia. Nevertheless, as this is not solely a cruise cover, we do not cover Travel Interruption, Travel Reroute, Baggage Delay during your cruise journey.
Yes, we do cover injuries caused by activities mentioned above. Reference can be made to policy/certificate wording in: Benefit 25 – Special Coverage. Please note that mountaineering or any activity above three thousand (3,000) meters height is excluded from this policy/certificate. However, the policy/certificate does cover you against accidental death and permanent disablement while engaging in this activity.
Covid-19 Benefit Related Questions
This is an optional add-on benefit, it provides coverage for Covid-19 related incidents i.e., travel cancellation/alteration, overseas medical expenses, hospital allowance, childcare benefit and death due to Covid-19.
Yes, the cover is subject to additional premium/contribution. Please refer to the premium/contribution table in the Brochure.
This is not a standalone product. The Covid-19 add-on must be purchased/participated in together with the base policy/ certificate.
No, any claim from Covid-19 benefit will not reduce any of the base policy/certificate benefit limit.
No, you will not be covered if you have not had the approved Covid-19 vaccination(s), except if you are unable to receive the vaccine due to medical conditions, or you are a child below the age of eighteen (18) years old in Malaysia.
No, you can only claim from either travel cancellation or travel alteration due to Covid-19, but not both. The entire policy/certificate will be terminated once a claim has been paid for either travel cancellation/ alteration due to Covid-19.
Yes, to be eligible for Travel Cancellation due to Covid-19 and(or) Travel Alteration due to Covid-19 benefits, you must purchase/participate in the add-on for at least seven (7) days prior to the commencement of your journey.
We do not cover any costs related to quarantine.
Special exclusions applicable to Covid-19 benefits
- Covid-19 infection that you have reasonable knowledge of prior to the Period of Insurance/Takaful, but this is not applicable if you have been fully recovered from Covid-19 and no longer receive treatment prior to the Period of Insurance/Takaful of the policy/certificate.
- If you’re travelling against physician’s advice.
- Any loss resulting from border closures, travel ban or other government orders.
- You have not had the approved Covid-19 vaccination(s).
Claims Related Questions
You must notify all claims to us within 24 hours, but no later than 30 days after the loss or damage. You can submit your claims online as below and/or submit the original claims documents to:
Z-Travel Insurance (International) : https://mya.zurich.com.my/Myclaims
Z-Travel Takaful (International) : https://egms.zurich.com.my/claims
Zurich General Insurance Malaysia Berhad / Zurich General Takaful Malaysia Berhad
Attention to: General Claims Department - AHWC
Level 23A, Mercu 3, No.3, Jalan Bangsar, KL Eco City
59200 Kuala Lumpur, Malaysia
Please call our 24-Hour, 7-Day Travel Assistance Helpline at +603 7841 5630.
Yes, the policy/certificate covers the journey from your home or place of business to airport for the purpose of the overseas trip covered by the policy/certificate.
If you extend the trip for domestic travel (i.e. Genting or anywhere in Malaysia), it will not be covered if proven in the event of claims, is not part of the journey for the overseas trip.
If multiple insured persons/persons covered, regardless friends or family members, share the same baggage which is checked-in with the Common Carrier, we will only accept claim request from 1 insured person/person covered. This applies to delayed, lost, stolen or damaged baggage. Reference can be made to policy/certificate wording - Special Conditions applicable to Benefits 14 and 15
You are eligible to claim only if there is a notice issued by the government of Malaysia or relevant authorities formally advising against non-essential travel to the affected areas at your Destination. Reference can be made to policy/certificate wording – Special Conditions applicable to Benefits 8 – 10
Mountaineering or any activities above three thousand (3,000) meters height is excluded from this policy/ certificate. However, the policy/certificate does cover you against accidental death and permanent disablement while engaging in this activity. Reference can be made to policy/certificate wording: Benefit 25 – Special Coverage
We do not cover any loss that is payable by any other sources. However, we will pay the difference between the amount payable from any other source and the actual loss you have incurred.
In respect to the same incident, you can only make a claim under Travel Delay or Travel Misconnection but not both. Reference can be made to policy/certificate wording – Special Conditions applicable to Benefits 8 to 13
Yes. As it is necessary and unavoidable for you to curtail your trip, you can submit your claim for the additional costs of common carrier to return home and the unused transportation and accommodation expenses that are paid by you for the journey, subject to other terms and conditions of the policy/certificate. Reference can be made to policy /certificate wording – Benefit 9 – Travel Curtailment
| Travel Inconvenience | Personal Accident | Loss or Damage to Personal Effects | Travel Accident or Illness |
| Injury or Permanent Disablement
Fatal
|
|
|
*All due care has been taken in preparing these FAQs. However, in the event of any inconsistences between the information provided in these FAQs and the terms of the Policy/Certificate, the provisions set out in the Policy/Certificate will prevail.
The benefit(s) payable under this product is (are) protected by PIDM up to limits. For more information, please refer to PIDM's Takaful and Insurance Benefits Protection System brochure on Zurich General Insurance Malaysia's website or PIDM's website.