Yes. You can as long as your trip starts in Malaysia and your final destination of the trip is Malaysia.

TripCare 360 Insurance provides comprehensive protection for your trips, whether for business or leisure, within Malaysia or overseas.

Enjoy peace of mind throughout your journey with protection for:

• Medical expenses due to injury or illness while travelling;
• Travel inconvenience, such as trip delays, cancellations, or missed connections;
• Loss, theft, or damage to your baggage and personal belongings;
• Personal liability, covering accidental injury to third parties or property damage;
• 24/7 emergency assistance services wherever you travel;

Tailor your protection with these value-added cover options:

• Adventurous Activities Cover – protection for selected sports and high-risk activities;
• COVID-19 Benefit – coverage for COVID-19 related medical and travel expenses;
• Extended Home Care Benefit – protection for your home while you are away;
• Golf Cover – coverage for golf equipment, green fees, and related liabilities.

These add-ons allow you to customise your protection based on your travel needs.

You can purchase TripCare 360 Insurance through the Etiqa website, the Etiqa+ mobile app, any Etiqa agent, or by visiting any Etiqa branch. We recommend purchasing your plan at least 7 days before your trip to enjoy the Trip Cancellation benefit. For international plans, coverage begins 6 hours before your scheduled departure time, specifically when you commence your direct travel to the point of embarkation in Malaysia (such as the airport, seaport, or border checkpoint).

Yes. You may extend TripCare 360 Insurance coverage to your spouse and children, provided you are all travelling together. The total premium will depend on the selected plan, destination, and trip duration, and includes an 8% Sales and Service Tax (SST) for trips within Malaysia.

You can make payment using FPX, debit card, or credit card.

i. International Trips

• Single Trip: Up to 180 days consecutive days.
• Annual Trip Plan: Unlimited trips, with each trip up to 90 days.

ii. Domestic Trips

• Per Trip: Up to 30 consecutive days.
• Annual Trip Plan: Unlimited trips, with each trip up to 30 days.

Note: One-way trips are not covered.

No. One-way trips are not covered under this policy. Coverage applies only to round trips, where both the outbound and return journeys take place within the policy period.

No, the coverage excludes pre-existing conditions, i.e., any illness or symptoms that you already had or received medical advice or treatment prior to the journey and whether or not treatment, medication or advice was sought or received prior to the commencement of the journey.

We're sorry, but the TripCare 360 Insurance plan cannot cover pre-existing medical conditions, even if you pay more.

Yes. You may claim reimbursement for medical expenses incurred after returning to Malaysia for follow-up treatment, up to a maximum of 3 months from the date of your return. This is subject to the terms and limits of your selected benefit plan.

Yes, subject to the policy terms and conditions.

Non-refundable trip costs refer to travel expenses that you have already paid for and cannot recover from the service provider if you cancel or shorten your trip for a covered reason.

Examples include:

• Non-refundable flight tickets
• Prepaid hotel bookings that do not allow cancellation or refund
• Prepaid tour packages, excursions, or attraction tickets
• Prepaid transport arrangements such as trains or ferry tickets

Travel and Medical Assistance Services are included as part of your premium, and no additional charges will apply for services covered under your TripCare 360 Insurance Policy. However, if you request services or incur expenses that fall outside the scope of coverage, you will be required to bear the cost. Our assistance team will inform you in advance of any such charges and the payment arrangements before proceeding with the service.

This policy does not cover losses or expenses arising from the following:

• Pre-existing conditions.
• Self-inflicted injuries, suicide, or attempted suicide, whether sane or insane.
• Complications of pregnancy, childbirth, miscarriage, or abortion.
• Consumption of alcohol, non-prescribed medication, illegal drugs, or narcotics.
• AIDS, the presence of HIV, or sexually transmitted diseases.
• Wilful or intentional acts, whether sane or insane, including provoked homicide or assault.
• Taking the trip against the advice of a medical practitioner or travelling for seeking medical treatment.
• Engagement in law enforcement, emergency services, civil defence, naval, military, air force, police force, or fire services.
• Participating in hazardous sports or activities, unless covered under the Adventurous Activities Optional Benefit.
• Engaging in hazardous sports or activities such as speed contests or racing (other than on foot), and any professional competitions or sports.
• Air travel other than as a fare-paying passenger on a scheduled or licensed chartered aircraft.
• Any illegal activities.
• Contamination by radiation or nuclear sources.
• Travel in, to, or through countries or regions subject to war, conflict, or quarantine due to contagious diseases.
• Travel in, to or through Cuba, Iran, North Korea, Syria, Ukraine, Russia, Myanmar, Iraq, Palestine, Afghanistan, Belarus, Venezuela, Sudan, South Sudan, Israel, Antarctica, Nepal and Libya.
• Travelling for Hajj pilgrimage.

Note: This list is not exhaustive. Please refer to your Policy Contract for the complete list of exclusions.

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

Yes, these activities are covered when you add the Adventurous Activities option to your plan for an additional premium.

If you are travelling to multiple countries within the same trip, you can be covered under one policy. Simply enter all the countries that you will be visiting to get your plan quotation.

No. You must sign-up the policy prior to your scheduled departure. Please sign-up your policy as early as possible to enjoy the Trip Cancellation benefit. Trip cancellation benefit will only be reimbursed if you sign-up the insurance at a minimum of 7 days prior to commencement of your trip.

Yes, your trip is covered when you travel by licensed public transport such as buses, ferries, trains, or commercial flights operating on fixed routes. The type of coverage depends on the specific benefit. For example, if a death occurs (due to an accident) while you are onboard, the death benefit will be paid. However, certain benefits such as travel delay or baggage delay only apply when you are travelling on licensed public transport and do not extend to travel by private vehicle or private arrangements. Motorcycling is excluded for a Trip or journey within Travel Area 1 (Domestic). For full coverage terms, conditions, and exclusions, kindly refer to the policy wording.

If you purchased the International Plan (Gold or Platinum plan), you are covered under Trip Cancellation benefit if you are required to cancel your trip before departure from Malaysia, due to any of the specified causes stated in your policy. We will reimburse the non-refundable travel or accommodation expenses that you have already paid, up to the limit shown in your Schedule of Benefits.

Note:

• The policy must be purchased at least 7 days before your schedule departure.
• You must not be aware of any circumstances that could lead to the trip cancellation at the time of purchase.
• COVID-19 related illness or incidents are not covered under Trip Cancellation, unless you have signed up for COVID-19 optional benefit.

"Specified Causes" refer to the following events which may qualify you for Trip Cancellation, subject to the policy terms and conditions:

1. The Insured Person passes away, becomes ill (excluding illness or incidents arising from COVID-19), or sustains Bodily Injury which, in the opinion of a Medical Practitioner, renders the Insured Person unfit to travel;
2. Death, or Bodily Injury and/or Illness (excluding illness or incidents arising from COVID-19) of an immediate Family member, requiring Hospital Confinement;
3. Jury service, subpoena, or kidnapping of the Insured Person;
4. Cancellation of scheduled Common Carrier services due to strike, riot, or civil commotion;
5. Following the first official announcement, advice, warning, restriction and/or declaration issued by the Malaysian Government, any destination country government, and/or international authorities (including the UN, WHO, or other global authorities), declaring it unsafe, hazardous, precarious and/or dangerous for travel — until such announcement or declaration is fully lifted or withdrawn. Any subsequent announcement shall not be considered a separate event;
6. Natural disasters that prevent the Insured Person from proceeding with the planned trip; or
7. The Insured Person's residence becomes uninhabitable due to fire, storm, or flood, requiring the Insured Person's presence on the scheduled departure date stated on the travel ticket.

Important timing condition:

• Events under (i) to (vi) must occur within 30 days before the scheduled departure date.
• Event under (vii) must occur within 7 days before the scheduled departure date.

All coverage is subject to the Policy terms, conditions and exclusions.