AXA SmartTraveller provides a number of benefits including the following:
Personal Accident
Medical Expenses
Travel Inconvenience such as travel delay, baggage delay, etc.
Please check out our Summary of Benefits for more details

You can check out our Summary of Benefits. You can also contact our 24 hours hotline at +603 - 2142 0399.

If you have a medical emergency overseas, you can visit the doctors for treatment and claim it back when you return to Malaysia. Do note that you have to provide all official receipts and doctor’s letter for your claims. If you need any urgent assistance, you can contact our 24 hours hotline at +603 - 2142 0399.

Yes. However, you are not entitled to claim flight related benefits.

Yes, we do have SmartTraveller Domestic.

Yes, we do cover winter sports, scuba diving and hiking/trekking in remote areas if accompanied with licensed guides (no height limit), subject to policy conditions and exclusions.

Yes, we do cover for car rental excess under VIP and annual plans (Car rental excess requires that you hire a car and it gets damaged or stolen) The 'Excess' (also known as the 'Deductible') is the amount of money you have to pay under a car rental contract as a result of loss or damage to the rented car arising from an accident.

Yes, we do cover for home contents under our VIP and annual plans.

Yes, we do. But we do not cover claims arising from pregnancy including childbirth caesarean operation, abortion, miscarriage and all related complications except miscarriage due to bodily injury as a direct result of an accident.

Trip cancellation coverage is available only on our VIP and annual plans, provided that you purchase your travel insurance at least 14 days before your trip. We will pay for your pre-paid irrecoverable fees if you have to cancel your trip due to incidents such as;
Your death, Serious Injury or Serious Illness or the death, Serious Injury or Serious Illness of Your Immediate Family Member
Unexpected outbreak of strike, riot or civil commotion
Witness summons
Serious damage to your residence.
Do note that you have to first get a refund from the relevant parties before claiming from us, and we will pay for the outstanding amount.

Yes, we will pay for your pre-paid irrecoverable fees should you be unable to make a trip due to valid reasons (ie. Sickness & injury with official doctor’s letter). Do note that you have to first get a refund from the relevant parties such as airline, travel agency and hotel before claiming from us, and we will pay for the outstanding amount.

Pre-existing Medical Conditions means any condition for which you have received medical treatment, diagnosis, consultation or prescribed drugs within a six(6) month period preceding the effective date of this Policy or, a condition for which medical advice or treatment was recommended by a registered Medical Practitioner within a six(6) month period preceding the effective date of the Policy.
You can still purchase our travel insurance, but any recurring conditions from the pre-existing medical conditions will not be covered.

The family plan covers you, your legal spouse and your legal children.
The eligibility age for adults is:
Single trip - 18 to 79
Annual Policy – 18 to 69
Children must be aged between 30 days and 18 years old or up to 23 years old if he/she is studying full time in a recognised institution of higher learning.

Area 1
Travel from Malaysia to Australia, Brunei, Cambodia, China (excluding Mongolia, Nepal & Tibet), Hong Kong, Macau, India, Indonesia, Japan, South Korea, Laos, Myanmar (Burma), New Zealand, Pakistan, Philippines, Singapore, Sri Lanka, Taiwan, Thailand, and Vietnam only.
Area 2
Travel from Malaysia to Overseas EXCLUDING USA, Canada, Iran, Syria, Belarus, Cuba, Democratic Republic of Congo, North Korea, Somalia, Sudan, South Sudan, Crimea (including Sevastopol), Russia, Ukraine, Zimbabwe and Malaysia
Area 3
Travel from Malaysia to Overseas EXCLUDING Iran, Syria, Belarus, Cuba, Democratic Republic of Congo, North Korea, Somalia, Sudan, South Sudan, Crimea (including Sevastopol), Russia, Ukraine, Zimbabwe and Malaysia

Please visit our claim page at https://support.axa.com.my/personal/travel-overview.html, where we have detailed our process and listed out the documents required to help you make your claims. You can:
Contact our claims hotline at (+603) 2170 8282
Email to claims@axa.com.my (Operating Hours - Mon to Fri: 8.30am to 5.30pm, Excluding public holidays)

You can first pay for your medical bills when you are overseas and make your claims when you return to Malaysia. Do note that you will need the official doctor letter and receipt to make your claims.

We will pay if your checked-in baggage is delayed for each full 6 consecutive hours (RM200 for every 6 hours) upon arrival at your destination abroad. Make sure you get a written report from the transport provider confirming the delaying and how long it was for. Details of the limits of your cover can be found in the combined PDS you received with your policy documents.

Upon receipt of full documents, we will revert with claim decision within 14 working days. Once claim is approved, payment will be made within 3 working days.

This depends on the nature of your claims, visit https://support.axa.com.my/personal/travel-overview.html for more information.

AXA Travel Insurance covers when you travel to multiple countries. You can choose the furthest country by distance from Malaysia.
For example, if you are going to multiple European countries like UK, France, Switzerland and Germany, you can select UK as your destination.
If you are going to Singapore, Taiwan and US, you can select US as your destination.

There are 2 payment methods,
a) Direct Online Payment via Paypal, hence you need to have a Paypal account.
b) Online Transfer or Bank into
- Bank Type = Maybank
- Bank Name = P&L Agency
- Bank Account No = 564801656139
- Note: Please email the bank in slip to tssaw@yahoo.com or WhatApps to +60125762417 after payment. The administrator will send you an official receipt and policy to you upon receive the bank in slip confirmation.
Thank You

Please contact our 24/7/365 Travel Insurance Activation Hotline: +603 - 2142 0399 for standalone travel insurance under 18 years old.

You can log on to our website AXAgoTravel.com or call our 24/7/365 Travel Insurance Activation Hotline: +603 - 2142 0399 and purchase a new annual plan.

Yes, we do need the children's NRIC number for our records. Alternatively, you can use the children’s MyKid number to make your purchase.

You should select the date you arrive back in Malaysia, the following day for the travel insurance to be valid.

Area 1
Travel from Malaysia to Australia, Brunei, Cambodia, China (excluding Mongolia, Nepal & Tibet), Hong Kong, Macau, India, Indonesia, Japan, South Korea, Laos, Myanmar (Burma), New Zealand, Pakistan, Philippines, Singapore, Sri Lanka, Taiwan, Thailand, and Vietnam only.
Area 2
Travel from Malaysia to Overseas EXCLUDING USA, Canada, Iran, Syria, Belarus, Cuba, Democratic Republic of Congo, North Korea, Somalia, Sudan, South Sudan, Crimea (including Sevastopol), Russia, Ukraine, Zimbabwe and Malaysia
Area 3
Travel from Malaysia to Overseas EXCLUDING Iran, Syria, Belarus, Cuba, Democratic Republic of Congo, North Korea, Somalia, Sudan, South Sudan, Crimea (including Sevastopol), Russia, Ukraine, Zimbabwe and Malaysia

SpecialCare Personal Accident covering for spectrum / down syndrome / dyslexia / learning disability related disease or accident risk.
This Policy provides 24 hours worldwide protection to the Insured for Injury caused directly by an Accident.

This cover eligible to any full time student aged between 2 and 17 years old, in a recognized educational institution.

Click here to see the covers / benefits

Premium for this Policy is RM53.00 for one (1) year Period of Insurance.

Stamp Duty of RM10.00 if purchase by standalone.

1. Disappearance.
2. Exposure.
3. Drowning.
4. Loss Notification.
5. Snakes and Insect Bites.
6. Any unlawful act, willful exposure to danger, suicide or intentional self-injury.
7. Any pre-existing physical or mental defect or infirmity. Duty of Disclosure where he/she knows or ought to know such as the Policyholder’s and/ or the Insured’s personal pursuits which could affect the risk profile. The Policyholder must ensure that the proposal form is accurately completed as it forms the basis of the insurance coverage.
8. HIV and/or any HIV related illness including AIDS and/or any mutant derivatives.
9. Intoxication by alcohol or drugs.
10. Dangerous sports e.g. winter sports, Amateur Sports, mountaineering, pot-holing, skin-diving, skiing, hockey polo, steeplechasing, big game hunting or hunting, racing other than foot.
11. Flying other than as a passenger in a licensed passenger carrying aircraft.
12. War, invasion, rebellion and terrorism.
13. Regular or temporary civil defence air force naval military or police duties.

1. Coverage is for student age limit range 2 till 17 years.
2. No cancellation is allowed once Policy has been issued.
3. Claims – Upon occurrence of an Accident which falls within the Policy coverage, the Policyholder and/or the Insured shall notify us immediately or within fourteen (14) days of the occurrence in the case of Injury.
4. The Insured should take all reasonable precautions to prevent theft incidents.

You can purchase via

Bangunan Bangsaria,
45E Jalan Maarof
59100 Bangsar
Kuala Lumpur, Malaysia
Tel: 03-2201 1107

OR


D-1-13 THE CAPERS
Jalan Sentul Sejahtera
51000 Sentul
Kuala Lumpur, Malaysia
Tel/ WhatApps: + 6012 5762417 / + 60123097781
Email: tssaw@yahoo.com

In the event of any Accident, Injury or Loss that may or gives rise to a claim under this Policy, You (or the Insured Person, where possible and applicable) shall:

1. Notify P&L Agency in writing as soon as possible and in any case within Fourteen (14) days after the occurrence of the circumstance or event of such Accident, Injury and/or Loss, with full particular pertaining to the Accident, Injury and/or Accidental Death, as the case may be; and
2. Ensure that as soon as possible after any Accident or Injury the Insured Person receives proper medical attention and thereafter observe the advice rendered by the Medical Practitioner; and
3. at Your expenses, or at the expense of any person representing the Insured Person, provide Us with all reports, certificates, information and other relevant documents as We may reasonably require to process the claim.

D-1-13 THE CAPERS
Jalan Sentul Sejahtera
51000 Sentul
Kuala Lumpur, Malaysia
Tel/ WhatApps: + 6012 5762417 / + 60123097781
Email: tssaw@yahoo.com

This Policy provides 24 hours worldwide protection to the Insured for Injury caused directly by an Accident (and independent of any other cause) resulting in death, disablement, medical and other expenses within twelve (12) calendar months from the date of the Accident.

This cover eligible to any full time student aged between 3 and 23 years old, in a recognized educational institution.

Click here to see the covers / benefits

Premium for this Policy is RM20 for one (1) year Period of Insurance.

1. Commission to the insurance agent - 25%
2. Stamp duty - RM10

• Duty of disclosure – the Policyholder must disclose all material facts which he/she knows or ought to know such as the Policyholder’s and/or the Insured’s personal pursuits which could affect the risk profile. The Policyholder must ensure that the proposal form is accurately completed as it forms the basis of the insurance coverage.
• The Insured should take all reasonable precautions to prevent theft incidents.
• Age limit – The Insured must be between the age of 3 and 23 years.
• Claims - Upon occurrence of an Accident which falls within the Policy coverage, the Policyholder and/or the Insured shall notify us immediately or within twenty one (21) days of the occurrence in the case of Injury.

This policy does not cover the following:

1. Any unlawful act, willful exposure to danger, suicide or intentional self-injury
2. Any pre-existing physical or mental defect or infirmity
3. HIV and/or any HIV related illness including AIDS and/or any mutant derivatives
4. Intoxication by alcohol or drugs
5. Pregnancy or childbirth
6. Dangerous sports e.g. winter sports, mountaineering, pot-holing, skin-diving, skiing, hockey polo, steeplechasing, big game hunting or hunting, racing other than foot
7. Flying other than as a passenger in a licensed passenger carrying aircraft
8. War, invasion, rebellion and terrorism
9. Regular or temporary civil defence air force naval military or police duties

No cancellation is allowed once Policy has been issued.

It is important that we are informed of any change in the Policyholder’s / Insured’s life profile including personal pursuits which would affect the risk profile.