Yeah I always buy travel insurance and so far, I've only ever got it from MSIG.

http://www.msig.com.my/Personal/product.asp?pageid=3202

Just wondering,

If I already have sufficient (I guess) medical/hospitalization cover from my existing insurance plans (that also cover overseas), does it really make sense to buy a separate travel insurance?

Cos I see all the T&C, the biggest covered things are medical/hospitalization (which I already have coverage). And refund of tickets/hotel booking if trip is cancelled, but this is only when the trip is cancelled due to like death, natural disaster, etc etc.

Bags coverage even if lose luggage also don't get that much money re-imbursed

^Make sure the travel insurance that you choose covers hospitalization and medical expenses also.

I travel at least 4-5 times a year and do lots of scuba diving. I bought Chartis Annual Travel Insurance, includes theft, hospitalization, flight delay/cancelled, trip cancellation, luggage lost, etc. I have to add another package to include coverage for leisure scuba diving. Do check if the insurance you pick will cover the hikings.