I used to skip travel insurance, thinking it was just a money grab. But after a scooter accident in Chiang Mai, I realized how critical it is. This post is a mix of personal story and practical advice for anyone traveling abroad.
Subtopics & Answers:
What does travel insurance actually cover? Emergency medical care, trip cancellations, lost baggage, and personal liability.
How to choose the right plan for your destination Consider local healthcare costs, activities, and political stability.
Adventure sports and exclusions Many policies don’t cover scuba diving, trekking, or motorbike accidents unless you add a rider.
How to file a claim while abroad Keep receipts, medical reports, and contact your insurer immediately.
Comparing top travel insurance providers in Malaysia I review Tune Protect, Allianz Travel, and AXA Affin based on ease of claims and coverage.
My recovery story and how insurance helped I share how my RM18,000 hospital bill was fully covered — and how I avoided financial disaster.
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