Travel Insurance for Malaysia

If you require overseas emergency medical treatment, your costs can add up quickly. It's important to have the right cover for any pre-existing medical conditions you may have while you’re in Southeast Asia. 

AllClear offers cover for over 1,300 pre-existing medical conditions. This means you can get the cover you need for your dream holiday in Malaysia.

Declaring conditions with AllClear is easy, thanks to a straightforward screening process. This can be completed online or over the phone.

Some major conditions we cover include:

Malaysia has some of the most varied and beautiful natural landscapes in the world. Whether you’re trying out the world-famous local cuisine or relaxing on the beaches of Penang and Langkawi, AllClear aims to help you enjoy your holiday with complete peace of mind.

If you are injured while participating in a covered outdoor activity, we can provide cover for your medical expenses. So, you don’t have to stress about financial worries while you’re hiking or snorkelling. 

Using a rental car in Malaysia? AllClear can reimburse the rental car insurance excess in certain cases. This includes if the car you have rented during your trip is involved in a motor accident while you are driving. You can also receive cover if the vehicle is damaged or stolen while in your care.

Riding mopeds, motorcycles and scooters in Malaysia

Mopeds, motorcycles and scooters are a common sight in Malaysia. These vehicles are convenient and a great way to travel like a local. However, their use comes with risks.

AllClear policies include cover for medical expenses due to injuries incurred while riding mopeds and scooters. This cover includes the following conditions:

• The engine capacity does not exceed 125cc
• You wear a crash helmet
• You have an appropriate licence
• You are covered by a motor insurance policy

Always drive cautiously and follow local laws and road safety advice to avoid accidents.

AllClear offers financial protection against emergency medical treatment costs while you’re abroad. This helps you explore Malaysia with confidence. 

Malaysia does not have a Reciprocal Health Care Agreement with the Australian government (Source: Australian Government, accessed 05 Nov 2025). If something happens and you need treatment while you’re abroad, a Travel Insurance policy may be the only financial help you will receive. 

Medical treatment in Malaysia can become very costly for Australian visitors. Visiting a private hospital can cost up to $220 per night (Source: Thompson Hospitals, accessed 05 Nov 2025). If an injury forces you to spend multiple nights in the hospital, you could end up facing significant costs. 

With AllClear’s comprehensive Travel Insurance, you can explore this beautiful country with less stress. We can also help cover the costs of evacuation and repatriation if it’s necessary.

You can use AllClear’s 24/7 emergency medical helpline at any time to help find the right care while you’re overseas.

Malaysia carries some different risks than some Australians are used to. Here are a few tips to help you stay safe on your trip. 

• Natural disasters: In Malaysia, there is a risk of earthquakes and direct cyclone impacts. Other natural disasters, such as floods, landslides, storms, and heatwaves, may impact your trip. Be sure to monitor local news and follow the advice of local authorities in case of an emergency. You should also ensure you know your hotel's evacuation plan. 
• Scams and petty crime: Malaysia is one of the safest locations in Southeast Asia, but the crime rate may be higher than Australian travellers are used to. Bag-snatching is a common type of theft that you should be aware of. When walking, hold any bags opposite to traffic and keep your belongings close to you, especially in public areas like shopping malls.  ‍
• Managing heat and humidity: You may experience intense heatwaves while in Malaysia. Check METMalaysia’s active map for warnings. If you are caught in a heatwave, avoid strenuous outdoor activities. You should also drink plenty of water and try to stay in air-conditioned environments as much as possible.

Here are some specific laws and customs in Malaysia you should be aware of before you go:

• Carry your ID: Malaysian law requires that you carry a form of identification with you at all times, such as your passport. You will also need to carry electronic evidence of your visa entry if you entered via the autogate.
• Drug laws: Malaysia has strict drug laws. Do not bring illegal drugs into Malaysia.‍
• Respect local customs: Make sure to follow local customs for a smooth trip to Malaysia. You should dress modestly at religious sites and government offices. If you’re a Muslim, Sharia Law applies to you on your visit to Malaysia.

A safe and fun holiday you'll remember forever requires some preparation before you go. Here are a few things you should do before you leave:

• Travel Insurance: Purchasing Travel Insurance will help you have a safer trip. It will also help to reduce financial stress resulting from emergencies. Be sure you understand what your policy covers you for, and follow all relevant conditions.
• Smartraveller: Be sure you’ve thoroughly reviewed the Australian government’s Smartraveller advice on Malaysia before you head off. Check to see if there are any no-go areas and places with a higher risk of terror threats. 
• Consult your health professional: Before leaving Australia, consult your health professional. Make sure you are in fit condition and have everything you need to travel. Get vaccination advice for recommended shots like Japanese Encephalitis. Discuss how to manage your pre-existing health conditions while on holiday. Find out if any medications of yours are illegal in Malaysia. ‍
• Emergency contacts: You should also know how to contact the Australian Embassy. In Malaysia, emergency services are typically accessible on 999.

To enter Malaysia, you will need a valid Australian passport. You will also need to have completed a Malaysia Digital Arrival Card (MDAC) before you arrive (Source: Malaysian Government, accessed 05 Nov 2025).

Typically, Australian citizens can get a 90-day tourism visa on arrival. However, entry and exit conditions can change on short notice.

You may encounter autogate facilities when you arrive. Manual counters are also available. To use the autogate, Australian travellers must have a passport that is still valid for 6 more months. You must have completed their MDAC at least 3 days before arriving.

While you’re in Malaysia, there’s a few stops you need to make sure you see:

• Kuala Lumpur: Malaysia’s capital city provides a uniquely modern yet historical experience. See the iconic Petronas Twin Towers up close or visit diverse neighbourhoods like Chinatown and Little India. 
• Penang: This stunning island offers incredible architecture, street art and religious sites. This includes the region's largest Buddhist temple, the Kek Lok Si Temple. Plus, Penang’s capital city, George Town, is a UNESCO World Heritage site. 
• Pulau Perhentian: If you’re after a sunny beach holiday, a trip to Pulau Perhentian could be just what you’re looking for. The islands feature beautiful beaches like the famous Turtle Beach.‍
• Malacca: Explore colonial landmarks like Dutch Square and the Melaka Sultanate Palace Museum. For food lovers, the Jonker Street markets offer a vibrant taste of local delicacies, crafts and entertainment.