1. Mei Ling’s Trip Turned Unexpected
Mei Ling, a young professional from Kuala Lumpur, had long dreamed of exploring Europe. After months of planning, she was finally on a two-week solo trip visiting Paris, Rome, and Barcelona.
On her third day in Rome, she slipped on slick cobblestones and sprained her ankle badly. Suddenly, her holiday transformed into an urgent situation. She needed medical attention, and she was worried about how to handle hospital bills, getting help, or even flying home if things got worse.
Fortunately, Mei Ling had purchased Tokio Marine Travel Insurance (Explorer Plan) through Just Insure Sdn. Bhd. a trusted insurance agency known for its seamless service before leaving. This incident made Mei Ling realize a crucial truth: with the right travel insurance, you do not just protect your trip but protect yourself, your health, and your peace of mind.
By entrusting her travel insurance portfolio to Just Insure Sdn. Bhd., Mei Ling experienced a seamless, stress-free claims process with clear guidance at every step. What could have been a disastrous situation quickly became manageable, allowing her to focus on recovery and still enjoy the rest of her journey:
- She received emergency medical care without worrying about upfront costs.
- The 24‑hour travel assistance hotline guided her through nearby hospitals and arranged help.
- Her trip did not spiral out of control — she felt supported, safe, and financially covered.
This incident made her realize with the right travel insurance, you do not just protect your trip but protect yourself.
2. What Is Tokio Marine Travel Insurance? (Explorer Plan)
Tokio Marine Explorer is the company’s flagship travel insurance plan, offering wide, comprehensive coverage designed for Malaysian or resident travellers.
Key coverage includes:
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Personal Accident & Medical: Covers accidental death, permanent disablement, and emergency medical and evacuation costs.
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Follow-Up Treatment in Malaysia: If you need medical care after returning.
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COVID‑19 Hospitalisation: Even treatment overseas is covered.
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Travel Inconveniences: Protection for travel cancellation, curtailment, delay, missed departure, and more.
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Luggage & Documents: Covers loss, delay of baggage, and important travel documents.
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Personal Liability: If you accidentally damage third-party property or injure someone while traveling.
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Lifestyle Add‑Ons: Includes coverage like Home Care, Pet Care, and Golfers Cover.
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Optional Extreme Activities Cover: For more adventurous trips (with extra premium).
3. Why Tokio Marine Travel Insurance Stands Out
Here are key reasons why this travel insurance plan is ideal — especially for Malaysian travelers:
Comprehensive Protection
From medical emergencies to luggage delay and trip cancellation, Tokio Marine Explorer is designed to cover a broad range of travel risks.
24/7 Assistance
Their travel assistance hotline ensures help is just a call away — anytime, anywhere.
COVID-19 Cover
Including COVID‑19 hospitalisation makes it especially relevant for today’s travel landscape.
Flexible Plans
You can choose single-trip or annual coverage — and even add protection for lifestyle events like pet care.
High Coverage Limits
Some plans offer high medical expense limits and emergency evacuation support, based on their brochure.
PIDM Protection
Policy benefits are protected under PIDM (Perbadanan Insurans Deposit Malaysia), which adds extra trust and security.
Have questions about how Tokio Marine Travel Insurance cover? Chat online with us!
Important notes: This article is meant purely for informational purposes and does not constitute an offer, recommendation, solicitation or advise to buy or sell any product(s). It should not be relied upon as financial advice. The precise terms, conditions and exclusions of any products mentioned are specified in their respective policy contracts. Please seek independent financial advice before making any decision.
This advertisement has not been reviewed by the Bank Negara Malaysia.
