Will I be covered under the Covid-19 benefits of the policy if I'm not fully vaccinated against Covid-19?
No, the policy excludes anyone who has not been fully vaccinated against Covid-19.
Do I need to take a Covid-19 test before purchasing a coverage under the policy?
No, you do not need to take a Covid-19 test before purchasing a coverage under the policy. However, if your purchase is made after testing positive for Covid-19, you will not be covered under the Travel Cancellation due to Covid-19 benefit, your coverage will cease to be effective immediately when the trip is cancelled.
My family member whom I live together with but not travelling with me, has tested positive. Can I file for Travel Cancellation?
Based on the given example, the scenario is not claimable as close contact with infected family member are not within Specified Cause.
Claim assessment will be ruled out firstly by referring to latest government SOP. Then refer to the Specified Cause mentioned in pg.60 of the policy wording.
My travel companion has tested positive for Covid-19, and as a close contact, my travel journey is being curtailed. Can I claim?
Yes, you can make a claim under the Travel Curtailment benefit, which covers the unused portion of your paid expenses and any additional administrative expenses incurred to amend your original travel ticket. This scenario falls under the Specified Causes stated in the policy.
The relevant authority in the country has advised me to quarantine in a hotel as there are no available beds in the hospital; OR it is a regulation of the country for tourists to quarantine in a hotel. Can I claim?
Yes, this scenario is claimable. Claim assessment will first refer to the latest government Standard Operating Procedures (SOP). Then, it will refer back to the Specified Causes mentioned on page 60 of the policy.
I was advised by a local doctor to quarantine at a hotel, but I did not overstay. Can I get a reimbursement?
Yes, we will reimburse the expenses that you paid in advance, up to the amount of the loss of deposit.
What happens if I test positive for Covid-19 on the last day or 48-72 hours before returning to Malaysia, which results in quarantine and overstaying?
This scenario will be covered under the Specified Causes of the Travel Curtailment benefit, and we will reimburse curtailment expenses incurred, subject to the policy terms and conditions. However, this coverage is only effective if the coverage is purchased before you become aware of the above circumstances.
Do I need to amend the return date of my policy due to the above situation?
No, you do not need to amend the return date of your policy, as the policy will automatically extend until you are allowed to return to Malaysia.