Dear all,

Let's say I am going to Indonesia from Penang with transit at KL. The trip is 5 days. The flights would be Penang <-> KL <-> Indonesia. The flights are from the same airline. Do I need to buy 2 seperate travel insurance in order to have full coverage? Meaning International travel insurance to cover the KL <-> Indonesia and domestic travel insurance to cover Penang <-> KL? Or just buy the international travel insurance will do? Just worry about issue that may be encountered during the connecting flight. Connecting flight transit time should be less than 8hrs. If to purchase both domestic and international travel insurance, is it correct to put 2 days coverage for my domestic insurance? and 5 days for international insurance? Thanks and have a nice day.

Dear blackburry, thanks for your informative reply. May I ask if that means in case my luggage is lost or delayed and I only found out when back in Penang after the trip, so that means the insurer will compensate the lost/delayed of the luggage? Or can they deny the claim by saying it is only up to KL coverage and my luggage could have lost during the domestic transit and they are not covering it since the insurance I buy is international insurance? Another example would be if my domestic flight from Penang to Kl got delayed and I miss the connecting flight from KL to Indonesia, will I be compensated by the insurer since the travel insurance is ‘International’? Because by definition from the insurer ‘International’ means from KL to outside country. Thanks a lot!

This post has been edited by Jenny87: Nov 6 2017, 10:23 PM