Travel Pro Insurance

The Policy covers you in the countries that are included in the Region you have selected.For example if your travel itinerary is from Malaysia to Australia return and also includes a stay in UK, You must purchase the world wide plan because UK is under the worldwide plan. Otherwise, the claims pertaining to stay in UK would not be covered under the Asian region. Transit of less than 12 hours of arrival is not considered a destination country for choosing a covered region.

Single trip policy

No premium refund is allowed once the policy or certificate of insurance is issued. Annual policy

a) This policy may be cancelled by 30 days‘ notice in writing at your request in which case the Company will retain our customary short period rate.

b) The company may cancelled this policy by sending 30 days’ notice and refund the proportionate part of any premium received for the unexpired period of the policy.

Yes. It covers Natural disasters. Natural Disasters shall mean extreme weather conditions (including but not limited to typhoons, hurricanes, cyclones or tornados), fires, floods, tsunamis, volcanic eruptions, earthquakes, landslides or other convulsion of nature or by consequences of any of the occurrences mentioned above.

Yes, a child (up to 18 years) can purchase an individual policy but the policy must be issued under a parent or legal guardian’s name, i.e. on the life of the child’s name (eg. “John Smith OTLO Robert Smith”). The payable premium for an individual child (not purchased together with parent or legal guardian) will be based on the individual premium, same as the adult. The 50% discount premium for the child will only apply upon purchasing together with the legal guardian.

For Accidental Death or Permanent Disablement benefit, a child is entitled to the Child entitlement as stated in Section 1 of the Schedule of benefits, and all other benefits are payable at 100% as per an adult.