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    Just pack up and enjoy your trip. We have the rest covered.

    In the unlikely event that you become ill or are injured while on holiday, we cover out-of-pocket medical expenses including prescription medicines, hospital visits and emergency transportation. We provide allowances for lost or delayed baggage, stolen travelers cheques, and more. You can even reschedule your trip without penalty for covered reasons.

    • What is Travel Insurance by Tune?

      Travel Insurance by Tune is a comprehensive insurance plan designed specifically for the needs of an Individual and a Family who will be travelling domestically or internationally. The major benefits provided are medical related benefits, personal accident benefits, travel inconvenience benefits and 24/7 Worldwide Travel Assistance.

    • What is the age limit to purchase Travel Insurance by Tune?

      Family Plan : Minimum 30 days and up to maximum of 75 years
      Individual Plan: Age band is between 18 to 75 year old.

    • Who is eligible to purchase?

      All Malaysians or Residents who have permanent address in Malaysia and departing from Malaysia.

    • Can I purchase Travel Insurance by Tune after I departed and still be covered?

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

    • What is the maximum period of coverage?

      Single Trip plan : 180 consecutive days for an overseas trip
      Annual plan : 30 consecutive days for an overseas leisure travel trip and 90 consecutive days for an overseas business travel trip.

    • If I am travelling to multiple countries, do I need to buy a separate plan
      for each country? Which area should I select?

      If you are travelling to multiple countries within the same trip, you can be covered under one policy. Please select the furthest country as listed under our area of coverage.

    • What plan should I buy if I were to travel domestic (within Malaysia) and overseas in a single trip?

      You are required to purchase 2 separate plans ie. Domestic Plan and Worldwide Plan.

    • Can I extend my policy period after the commencement of my trip?

      Yes. Your coverage can be extended at our sole discretion for up to 30 days from the expiry of the period of insurance without payment of any additional premium if you are hospitalized and / or quarantined overseas as recommended by a doctor which it is deemed reasonable by us and prior to the insurance expiry. Benefits for the extended coverage are limited to Section 2 – Travel Inconvenience Benefit only.

    • Will I be covered for an illness that I am already suffering from or have suffered in the past?

      No. Travel Insurance by Tune does not cover any pre-existing condition occurring within 120 Days prior to the policy effective date.

    • Can I continue my medical treatment in Malaysia for injuries sustained overseas?

      Yes, If you suffered from a disability while travelling on an overseas trip and subsequently seek follow-up treatment in Malaysia, you will be reimbursed the Medically necessary expenses incurred within 30 days upon arrival to Malaysia, subject to the medical expenses limit specified in the Schedule of Benefit.

    • What do I need to do if there are changes to my contact details or trip information?

      You may contact Asia Assistance Network(AAN) at +603-7628 3993 to inform us on the changes.

    • Can the policy be cancelled?

      You may cancel your policy by giving us 30 days written notice to our registered address
      a) Your annual policy will be cancelled from the 1st day of the month following a cancellation request and refund of premium is in accordance with the short rate table used by us for the unused period of cover.
      b) Your single trip policy can be cancelled subject to our approval provided that your request date is prior to the commencement date of the trip or period of insurance.

    • Who is your Emergency assistance company?

      Asia Assistance Network (M) Sdn Bhd
      AA One
      No 1, Block N, Jaya One,
      72A, Jalan Universiti,
      46200 Petaling Jaya,
      Malaysia.
      Tel No: +603-7628 3993

    • Whom do I contact for travel or medical assistance while being overseas?

      Please call Asia Assistance Network (AAN) at +603-7628 3993. You may Reverse Charge the call where this service is available. Please contact AAN prior to any admission into Medical Centre / Hospital whilst abroad.

    • I need to make a claim, what do I do?

      In the event of a medical emergency requiring evacuation, you should call our 24hour emergency helpline - Asia Assistance Network (M) Sdn Bhd at +603-7628 3993
      For all other claims, please print a claim form from the website www.expedia.com.my/travel-insurance
      You may post the form to:

           Non Motor Claims Department
           Tune Insurance Malaysia Berhad
           Level 7, PNB Damansara,
           No.19, Lorong Dungun,
           Damansara Heights,
           50490 Kuala Lumpur, Malaysia.

      You may also scan the claim form and e-mail it to myxpclaim@tuneinsurance.com

      IMPORTANT: Please notify us within 30 days of you becoming aware of an incident or loss leading to a claim and forward us the completed Claim Form.

    • What should I do if I required medical evacuation?

      In the event of you requiring medical evacuation or repatriation please contact Asia Assistance Network (M) Sdn Bhd as soon as possible via telephone No +603-7628 3993, fax +603-7629 8388 or email aan@asia-assistance.com. In this instance it is cashless i.e.you will not be required to pay except where the 'benefit' limit has been exceeded.

    • Do I have to pay my medical bills abroad?

      In cases requiring medical attention but not relating to evacuation or repatriation, you shall have to pay the costs of the medication and seek reimbursement.

    • What Documents will I need?

      Please refer to the Claim Form for the Checklist of Required Documents. Where required, we shall request for further documentation and / or information from you

    • I don't have receipts for my personal items. Can I still make a claim?

      You may make a claim but please be aware that we require proof of ownership for the item(s) therefore it is a minimum requirement that you provide evidence of ownership. We may accept Warranty Cards and credit card statement as evidence of proof of ownership.

    • Will I have to bear any ‘Excess’?

      Under Travel Insurance by Tune, excess applies to Loss or Damage to Baggage / Personal effects and to Medical Expenses. The excess amounts differ depending on the Plan i.e. Individual or Family and between Domestic and International Travel. Please refer to the Schedule of benefits for further details.

    • Am I covered for medical expenses should I be diagnosed with swine flu (H1N1) whilst on my trip?

      Under the Travel Insurance by Tune General Exclusions which is applicable to entire policy it is stated that the insurance does not cover any loss resulting directly and indirectly (in whole or in part) from pandemic or epidemic which includes swine flu (H1N1), thus the claim will not be payable.

    • Am I insured whilst pregnant?

      Yes you are. However, you are NOT covered in any cases of miscarriage or childbirth, or any treatment relating to birth control or treatment pertaining to infertility or any other complication arising there from.

    • Can I cancel my trip if one of my relatives are taken ill (1) before my trip or (2)during my trip?

      The policy does not define relative but defines immediate family member as legal spouse, parents & parents-in-law, children & children-in-law, siblings and grandparents.

      If any one of the immediate family member is admitted into hospital (where it is medically necessary and not, for example, for a routine checkup) then you may (1) cancel prior to leaving for the trip or (2) 'curtail' as in cancel mid way through the trip and the policy will cover the loss. This is merely a general explanation; please refer to the policy for more details.

    • What is the definition of Immediate Family Members?

      Immediate family member refers to:
          i) Legal Spouse;
          ii) Legal, Adoptive And / Or Biological Children;
          iii) Children-In-Law;
          iv) Siblings;
          v) Parents;
          vi) Parents-In Law;
          vii) Grandparents
      of the insured who resides in Malaysia.

    • I’m due to go on holiday in a few days time and there has been a natural disaster which may cause me some travel disruption - will I be able to claim if I cancel my trip?

      As a result of natural disasters such as volcanic eruption, flood, earthquake, tsunami,
      hurricane or wildfire in your place of residence occurring within 14 days prior to departure
      from Malaysia, you may claim If you cancel your trip and suffer loss of deposits
      or charges which has been paid in advance or which is contracted to be paid for the
      Trip for all or one of the following:
          i) air-ticket
          ii) hotel
          iii) tours
          iv) car rental

    • I am already on holiday and during that time there is a natural disaster, will I be able to claim if I cancel my trip to return home?

      You are covered for natural disasters but only in your planned trip destination(s). As an example, if your planned trip is to Tokyo, Japan, then you may claim for the cancelled trip if the natural disaster happens in Tokyo. If the disaster is in another city it is not covered.

    • My travel has been delayed due to adverse weather conditions, what should I do?

      You may claim under the policy for the delay with written confirmation from the carrier (e.g. airline) but subject to terms & conditions of the policy.

    • During my holiday, am I covered in the event of injury as a result of a terrorist attack?

      Yes. You are covered for Personal Accident and/or Medical treatment for the injury sustained. You are advised to refer the policy wordings for full details.

    • What if my luggage is stolen while I am on holiday?

      If the theft occurred in an aircraft, vessel or train please notify the responsible officer immediately. On the other hand, if the theft occurred from a motor coach or during your stay in the hotel, please notify the police no later than 24 hours.
      We require a written report from the relevant authorities when you make a claim for the theft.

    • Am I covered if my flight is delayed and I missed a connecting flight?

      The departure flight from Malaysia is covered for flight delay exceeding 6 hours however the policy does not cover missed connection therefore the policy will not pay for it.

    • My entire family is travelling with me. In case there is a burglary at home, will the policy cover us?

      The policy has a Home Care Benefit cover that protects your home contents against theft up to the limit of Sum Insured.

    • Can I claim for theft of home contents If a member of my family is at home while the rest of the family are away on holiday?

      The policy covers if the house is left vacant for the duration of the trip and the theft occurs after the trip commences and before your return home. Since a member of the family was at home when the theft occurred the claim is not payable.

    • In my up-coming trip I intend to drive a rental car. If I meet with an accident, am I covered?

      It is important to ensure that you have a valid driving license to drive in your destination country. If you meet with an accident, you are covered by the policy. Please note however, that you will not be covered under the Personal Liability section as this cover should be provided by the car rental company

    • How are claims paid?

      Payment of any claim shall be in Ringgit Malaysia (by cheque) or its equivalent in other currency (by Bank Draft) at the prevailing rate as per Bank Negara Malaysia (Central Bank of Malaysia) at the time of effecting payment.

    • What do I do if I wish to dispute a claim or have a general complaint?

      Should you dispute a claim or have a complaint regarding us or any issue in respect of the insurance you may write to :
          The Chief Executive Officer,
          Tune Insurance Malaysia Berhad
          36 Jalan Ampang
          50450 Kuala Lumpur
          Malaysia
      Or you may write to
          (for Complaints & Claim disputes)
          Customer Service Bureau (CSB)
          Bank Negara Malaysia
          Jalan Dato Onn
          50480 Kuala Lumpur
          Malaysia
      or
          (for Claim disputes only)
          The Financial Mediation Bureau
          Level 25
          Dataran Kewangan Darul Takaful
          50000 Kuala Lumpur
          Malaysia

    • I did not receive my policy, what should I do?

      You can retrieve a copy of your policy via: https://expedia.tuneinsurance.com/my/policylookup.aspx.

    • What is Goods and Services Tax or GST?

      Goods and Services Tax (“GST”), which is also known as Value Added Tax (VAT) is a multi-stage consumption tax on goods and services in Malaysia. It will be implemented with effect from 1st April 2015 in Malaysia at Standard-rated supplies of 6%. Standard-rated supplies are goods and services that are charged GST with a standard rate.

    • What plans are subjected to GST?

      All Domestic plans are subject to Standard-rated 6% GST.

    • Will I be charged GST when I purchase Expedia Travel Insurance?

      Yes, Expedia Travel Insurance Domestic plans are a Standard-rated Product, thus 6% GST will be charged.

    • Will I be charged GST if I purchase Expedia Travel Insurance prior to 1st April 2015?

      The implementation date of GST is on 1st April 2015, any insurance product or services that is formally purchased and paid before 1st April 2015 and extends over 1st April 2015, will not be charged GST.

    • Will I receive any Tax Invoice if I purchase Expedia Travel Insurance?

      Yes, a Tax Invoice will be issued together with your Certificate of Insurance.

    • Where can I get more information on GST?

      You can visit GST official website at http://gst.customs.gov.my/.

    Click here to view our Product Disclosure Sheet
    WORLDWIDE
    DOMESTIC
    • Individual Plan
    • Family Plan
    • Individual Plan
    • Family Plan
    • 1) Personal Accident Benefit
    •  

    •  

    •  

    •  

    • Accidental Death or Permanent Disablement
    • RM250,000 (Age 18 to 65)
    • RM250,000 (Age 18 to 65)
    • RM100,000 (Age 18 to 65)
    • RM100,000 (Age 18 to 65)
    • Insured Person / Spouse (Up to 75 years)
    • RM125,000 (Age 66 to 75)
    • RM125,000 (Age 66 to 75)
    • RM 50,000 (Age 66 to 75)
    • RM 50,000 (Age 66 to 75)
    • Child /Children (30 Days to 21 Years)
    • RM 62,500 (Child)
    • RM 25,000 ( Child )
    • RM750,000 (Overall Family Limit)
    • RM300,000 (Overall Family Limit)
    • 2) Travel Inconvenience







    • 2 (a) Trip Cancellation
    • RM 18,000
    • RM 54,000
    • RM 5,000
    • RM 15,000

    • 2 (b) Trip Curtailment
    • RM 18,000
    • RM 54,000
    • RM 5,000
    • RM 15,000
    • 2 (c) Baggage & Personal Effects
    • 2 (c)(i) Loss / Damage To Baggage & Personal Effects: Max RM500 Per Item And Laptop / Golf Equipment: Max RM1,000 Per Item
    • RM3,000
      (Excess RM50 per Insured Person)


    • RM9,000
      (Excess RM50 per Insured Person)


    • RM1,000
      (Excess RM50 per Insured Person)


    • RM3,000
      (Excess RM50 per Insured Person)


    • 2 (c)(ii) Baggage Delay


    • Up to RM1,000
      (RM200 Per 6 Hours Delay)
    • Up to RM3,000
      (RM200 Per 6 Hours Delay)
    • Up to RM200
      (RM50 Per 6 Hours Delay)
    • UP TO RM600
      (RM50 Per 6 Hours Delay)
    • 2 (d ) Baggage Damage by Common Carrier
    • RM250
    • RM500
    • Up to RM150
    • Up to RM450
    • 2 (e) Loss of Personal Money
    • RM1,000
    • RM1,000
    • N/A
    • N/A
    • 2 (f)Loss of Travel
      Document & Credit Card
    • RM3,000
    • RM3,000
    • N/A
    • N/A
    • 2 (g) Travel Delay



    • RM1,800

      (RM150 Per 6
      Hours Delay)
    • RM5,400

      (RM150 PER 6
      Hours Delay)
    • RM450

      (RM150 Per 6
      Hours Delay)
    • RM1,350

      (RM150 Per 6
      Hours Delay)
    • 3) Medical Benefits

    • Accidental & Sickness for International
      Accident Only For Domestic
    • 3 (a) Medical Expenses Reimbursement
    • RM300,000
      (Age 18 to 65)
      RM150,000
      (Age 66 to 75)




    • RM300,000
      (Age 30 Days to 65)
      RM150,000
      (Age 66 to 75)
      RM900,000
      (Overall Family Limit)
    • RM25,000
      (Age 18 to 65)
      RM12,500
      (Age 66 to 75)
      (Excess RM50 per Insured Person)
    • RM25,000
      (Age 30 Days to 65)
      RM12,500
      (Age 66 to 75)
      RM75,000
      (Overall Family Limit)
      (Excess RM50 per Insured Person)




    • (Excess RM200 For Mountain Sickness Claim) (Excess RM50 For Others)
    • (Excess RM200 For Mountain Sickness Claim) (Excess RM50 For Others)








    • - Follow up Treatment in Malaysia (Maximum of 30 Days)
    • RM30,000
      (Age 18 to 65)
      RM15,000
      (Age 66 to 75)
    • RM30,000
      (Age 30 Days to 65)
      RM15,000
      (Age 66 to 75)
      RM90,000
      (Overall Family Limit)
    • N/A
    • N/A
    • - Alternative Medicine
    • RM1,000
      (Age 18 to 65)
      RM500
      (Age 66 to 75)
    • RM1,000
      (Age 30 Days to 65)
      RM500
      (Age 66 to 75)
      RM3,000
      (Overall Family Limit)
    • RM250
      (Age 18 to 65)
      RM125
      (Age 66 to 75)
    • RM250
      (Age 30 Days TO 65)
      RM125
      (Age 66 to 75)
      RM750
      (Overall Family Limit)
    • 3 (b) (i) Emergency Medical Evacuation
    • RM300,000
    • RM900,000
    • RM50,000
    • RM75,000
    • 3 (b) (ii)Emergency Medical Repatriation
    • RM300,000
    • RM900,000
    • RM50,000
    • RM75,000
    • 3 (b) (iii) Mortal Remains Repatriation
    • RM300,000
    • RM900,000
    • RM50,000
    • RM75,000
    • 3 ( c ) Compassionate visit Due to Hospitalisation
      Of Insured Person
    • RM5,000


    • RM5,000


    • N/A


    • N/A


    • 3 (d)Compassionate Visit Due to Insured Person's Death
    • RM5,000


    • RM5,000


    • N/A


    • N/A


    • 3 (e) Child Care Benefit
    • RM5,000
    • RM5,000
    • N/A
    • N/A
    • 3 (f) Hospital Allowance
      (Up to Maximum of 30 Full Days)
    • RM6,000(RM200 Per Full Day)

    • RM18,000(RM200 Per Full Day)

    • N/A


    • N/A


    • 4) Personal Liability
    • RM1,000,000
    • RM1,000,000
    • RM200,000
    • RM200,000
    • 5)Home Care Benefits



    • Theft of Property During Trip
    • RM1,000
    • RM1,000
    • N/A
    • N/A
    • 6)Travel Assistance Services






    • 24/7 Travel Assistance
    • Included
    • Included
    • Included
    • Included

    Below is an overview of our competitively-priced plans.

    • INTERNATIONAL AREA 1 : ASIAPACIFIC*
      Australia, Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Korea, Laos, Macau, Myanmar, New Zealand, Pakistan, Philippines, Singapore, Sri Lanka, Taiwan, Thailand and Vietnam
    • NO. OF Days
    • INDIVIDUAL (MYR)
    • FAMILY (MYR)
    •     Single Trip
    • FROM 41
    • FROM 116
    • Annual Plan
    • 244
    • 682
    • INTERNATIONAL AREA 2 : WORLDWIDE*
      (Excluding US & Canada)
    • NO. OF Days
    • INDIVIDUAL (MYR)
    • FAMILY (MYR)
    •     Single Trip
    • FROM 62
    • FROM 174
    • Annual Plan
    • 366
    • 1023
    • INTERNATIONAL AREA 3 : WORLDWIDE*
      (Including US & Canada)
    • NO. OF Days
    • INDIVIDUAL (MYR)
    • FAMILY (MYR)
    •     Single Trip
    • FROM 75
    • FROM 209
    • Annual Plan
    • 439
    • 1228
    • DOMESTIC : MALAYSIA
    • NO. OF Days
    • INDIVIDUAL (MYR)
    • FAMILY (MYR)
    •     Single Trip
    • Premium
    • GST (6%)
    • Total Premium
    • Premium
    • GST (6%)
    • Total Premium
    • Annual Plan
    • 88.00
    • 5.28
    • 93.28
    • 218.00
    • 13.08
    • 231.08


    Travel Insurance is underwritten by Tune Insurance Malaysia Berhad ([30686 K]). Asia Assistance Network is authorized by Tune Insurance Malaysia Berhad to provide travel emergency and medical assistance for international travelers. We recommend that you consider travel protection for added peace of mind when you travel. For more information, you should read the Brochure and Product Disclosure Sheet (including Policy Wording) to decide if this product is suitable for you/meets your requirements.