Travel Guard Pro Insurance is a comprehensive insurance plan for domestic and overseas travel. 

The major benefits provided are medical-related benefits, personal accidents benefits, travel inconvenience & other travel-related benefits and 24-hours worldwide travel assistance. 

Additionally, you can choose to purchase our optional rider benefit which to upgrade your coverage for travel delay.
 

The premium varies depending on your choice of plan, destination and duration of cover selected.  Premiums may be subjected to Service Tax (ST) of 8% for Domestic trips. 
 

1. A Malaysian citizen, Malaysian permanent resident, or a holder of a valid work permit or employment pass (of which your place of employment must be in Malaysia during the policy period), dependent pass, student pass or long-term social visit pass not including travelling visa (that is issued by the relevant governmental authority in Malaysia), with full rights to enter into and return to Malaysia;
2. You must be returning to your home (primary residence within Malaysia) at the end of your travel, or be intending to return home on completion of your travel (not applicable if it is One-Way Trip);
3. Your travel pre-arrangements must be made and paid for in Malaysia prior to your trip and your trip must commence in Malaysia.

4. Age limit:

   (i) Single Trip: thirty (30) days up to eighty-five (85) years old; and  

   (ii) Annual multi-trip: eighteen (18) up to seventy (70) years old, renewable up to eighty-five (85) years old 
   all ages refer to the age at your policy expiry date.
    

Yes. For one-way travel, coverage terminates at the earliest at:

1. Your Policy Expiry Date; or
2. Your arrival at Your first Overseas destination (excluding transit countries where You are confined to the transit area of the airport).
    

If you are covered by more than one policy, we will cover you one policy, based on the policy which provides the highest benefit level.

If you are traveling to multiple destinations/ countries within the same trip, you can be covered under one policy. The travel region/ cluster you shall select should be based on the countries that are included in the covered cluster.

For example:
Your travel itinerary is set for a return trip departure from Malaysia to Australia and includes a stay in USA, then you must purchase cluster 4 as the USA is covered under Cluster 4. If you only purchased Cluster 3, we will not meet your claim that relates to or arises in the USA.
 

If you transit in Australia with no stop over, you may purchase a Cluster 2 plan.
If you transit in Australia with a minimum stop over of 1 night because there is no connecting flight, you may purchase a Cluster 3 plan.

No. You must purchase the policy prior to your scheduled departure.