Choosing the right travel insurance for a trip to Malaysia

economictimes.indiatimes.com:

Malaysia has gorgeous attractions, including both marvellous cities and beautiful coastlines, rainforests, and multiethnicity. From enjoying the tall and prestigious structure of the Petronas Twin Tower in Kuala Lumpur to the mountainous trails of the Cameron Highlands or the scenic dive in Sipadan Island, having the right travel insurance for Malaysia is crucial.

Why do you need travel insurance for a Malaysia trip?
Malaysia is a secure nation and warm-hearted towards visitors, and though clear and meticulous planning is advised at all times, nasty surprises can always be expected. Travel insurance provides a safety net, covering:

1. Medical emergencies: Medical facilities in Malaysia are very good, but private medical facilities may be costly to foreigners who have not travelled with an insurance company. Travel insurance helps you get good treatment without being worried about how much it will cost you.
2. Trip cancellations or delays: It is quite disappointing when due to an emergency or a disaster, one has to cancel the flight, which will cost more. There are many costs that one cannot refund, and this is why travel insurance comes in handy.
3. Lost or delayed baggage: Lost luggage may cause discomfort while travelling. Delayed or lost baggage cover ensures you get a refund to replace the items that were not taken.
4. Accidents or theft: From minor mishaps to theft of valuables, travel insurance provides financial assistance and peace of mind.
5. Adventure sports coverage: Malaysia offers activities like scuba diving,