You’ve imagined the perfect vacation. The excitement of your boarding pass in hand, the rush of stepping into a new city, the joy of tasting unfamiliar dishes, and the stories waiting to be told. But what if, amid this excitement, something goes wrong? A medical emergency in a foreign country, a flight canceled at the last minute, or your luggage taking an unexpected detour?
These aren’t just possibilities—they’re real-life disruptions travelers face every day.
That’s where Malayan Travel Insurance comes in. If you’re planning to travel in 2025, especially as a Filipino traveler, this review will help you decide whether Malayan offers the right mix of affordability, protection, and peace of mind.
Table of Contents
What Is Malayan Travel Insurance and Why Do You Need It?
About Malayan Insurance Company, Inc.
As one of the Philippines’ oldest and most respected non-life insurance providers, Malayan Insurance Company, Inc. has been a trusted name since 1930. With nearly a century of experience, Malayan offers insurance solutions designed for local and international travelers alike.
They’ve built partnerships with global insurers and re-insurers, including MAPFRE, allowing you to receive support not only at home but wherever you roam.
Why Travel Insurance Matters in 2025
The global travel landscape has changed dramatically over the past few years. With new risks—from lingering health concerns to geopolitical shifts—travel insurance isn’t a luxury anymore. It’s a necessity.
Here’s why you need it:
- Flight delays are more common due to operational limitations.
- Medical emergencies abroad can cost thousands without coverage.
- Border restrictions or quarantine requirements can derail your entire trip.
You don’t want to be stuck navigating hospital bills in a foreign language or chasing airlines for compensation. Travel insurance bridges that gap.
Types of Malayan Travel Insurance Plans Offered
Popular Plans You Can Choose From
Malayan offers several travel insurance packages in 2025 tailored to your trip type:
- Travel Master: The flagship product with international coverage.
- Travel Master with COVID-19 Extension: Offers pandemic-specific protection.
- Travel Master Domestic: For trips within the Philippines.
- Travel Safe (Group): Ideal for business teams or family trips.
Each plan has its strengths. If you’re going abroad, especially for more than a week, Travel Master with the COVID-19 extension is your safest bet.
Comparison Table – Malayan Travel Insurance Plans (2025)
| Plan Type | Coverage Area | Medical Benefits | COVID-19 Coverage | Trip Cancellation | Price Range (PHP) |
|---|---|---|---|---|---|
| Travel Master | Worldwide | Up to ₱2.5M | Optional Add-on | Up to ₱100,000 | ₱300–₱2,000 |
| Travel Master Domestic | Philippines Only | Up to ₱500,000 | Included | Limited | ₱150–₱500 |
| Travel Safe (Group) | Regional | Varies | Add-on | Limited | Custom pricing |
What Does Malayan Travel Insurance Cover in 2025?
Core Inclusions in Every Plan
When you get covered with Malayan, you benefit from a strong safety net. Here’s what’s typically included:
- Medical Expenses: Hospitalization, surgeries, medications.
- Emergency Evacuation: Air ambulance, repatriation.
- Trip Cancellation or Interruption: Non-refundable bookings.
- Lost or Delayed Baggage: Reimbursements and compensation.
- Personal Accident Benefits: In case of serious injury or death.
COVID-19 Specific Coverage
Introduced in 2020 and continuously updated, Malayan’s COVID-19 coverage now includes:
- Medical treatment for COVID-19
- Emergency evacuation due to pandemic-related closures
- Reimbursement for mandatory quarantine
- Trip postponement if you test positive before departure
Note: COVID-19 coverage may require an add-on depending on the plan. Always check the fine print.
What’s Not Covered
As with most insurers, there are some exclusions:
- Pre-existing conditions
- Mental health or self-inflicted injury
- High-risk adventure sports (unless specifically added)
- Travel to war zones or blacklisted countries
Key Benefits of Choosing Malayan Travel Insurance
If you’re wondering whether Malayan is worth the premium, consider the following:
Top Advantages
- Trusted by millions of Filipino travelers
- Affordable pricing compared to international brands
- Quick digital application process
- Strong customer service with 24/7 hotline
- Customizable coverage with COVID-19 and other add-ons
- Accepted globally through third-party medical networks
You get all this without needing to wade through complicated policy jargon. Their documents are simplified for easy understanding.
Limitations of Malayan Travel Insurance
Every plan has its downsides. Knowing them helps you make smarter choices.
Where It Falls Short
- Lower coverage limits compared to global insurers like Allianz or IMG
- Claims processing can be slower during peak travel periods
- Add-ons can push the cost higher, especially for seniors
- Some reports of delayed reimbursements (be sure your documentation is complete)
Still, if you’re not scaling Mount Everest or engaging in extreme sports, Malayan’s limitations won’t be dealbreakers.
How Malayan Travel Insurance Compares to Other Providers
In the Philippine market, Malayan competes with providers like Pacific Cross, AXA, and Standard Insurance.
Comparison Table – Malayan vs Pacific Cross vs AXA
| Provider | Medical Coverage | Trip Cancellation | COVID-19 Add-On | 24/7 Support | Digital Claims |
|---|---|---|---|---|---|
| Malayan | ₱2.5M | Yes | Optional | Yes | Yes |
| Pacific Cross | ₱5M | Yes | Included | Yes | Yes |
| AXA Philippines | ₱2M | Yes | Optional | Yes | Limited |
Best For
- Malayan: Budget-conscious solo travelers or families.
- Pacific Cross: Premium international travel.
- AXA: Corporate or business travel coverage.
Malayan Travel Insurance Costs in 2025
What Affects the Cost?
- Your destination: Europe and USA tend to cost more.
- Your age: Higher age groups = higher premiums.
- Trip duration: The longer, the pricier.
- Plan selection: Add-ons and higher limits increase cost.
Sample Premiums for 2025
- 5-day trip to Japan: ₱650–₱950
- 10-day trip to Europe: ₱1,300–₱2,000
- 3-day local getaway: ₱150–₱300
You can easily get a quote using Malayan’s online calculator or through partner travel agencies.
How to Buy and File a Claim with Malayan
Where to Buy
- Malayan Insurance Official Website
- Accredited travel agencies
- Insurance brokers and banks like BDO, RCBC, etc.
Claiming Process (Step-by-Step)
- Report the incident within 30 days (email or hotline)
- Gather your documents:
- Hospital bills
- Police reports (if needed)
- Proof of travel (boarding pass, itinerary)
- Submit documents online or in person
- Wait for evaluation
- Receive reimbursement via bank or check
Documents You’ll Likely Need
- Valid ID and passport
- Medical certificate
- Travel itinerary and receipts
- Police report (for theft/loss)
Tip: Take photos of all your documents and submit everything in one go to avoid delays.
Conclusion :
You’ve got dreams to chase and new places to discover. The last thing you want is an unexpected emergency to cast a shadow over your travels.
Malayan Travel Insurance offers one of the most balanced packages available in the Philippines today. It’s trusted, affordable, and gets the job done without overcomplicating the process. If you’re a Filipino traveler looking for solid protection without breaking the bank, this is a strong choice.
FAQ : about Malayan Travel Insurance
Is Malayan Travel Insurance valid abroad?
Yes. Travel Master plans offer global coverage and access to international assistance networks.
Does it cover COVID-19 in 2025?
Absolutely—just ensure you select the COVID-19 add-on or opt for plans that include it by default.
Can I cancel the insurance and get a refund?
Yes, as long as you cancel before your trip starts and no claim has been filed.
What’s the age limit for Malayan Travel Insurance?
Coverage is typically available for travelers aged 6 months to 75 years. Special plans may extend this.
Can I buy coverage last-minute?
Yes, but coverage starts only after the policy is issued. Ideally, purchase at least 24 hours before travel.
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