It is advisable to buy travel and health insurance before arriving in Malaysia. Some suggestion here is if you are traveling abroad, it is worth having travel and health insurance. You can buy the insurance offered by the local tour operators or you can buy it before you arrive in Malaysia in your home country. However, you may be paying double of what a bank or specialist insurer might charge if you bought the travel insurance on a per-need basis. If you travel abroad frequently, it’s worth considering buying a yearly policy. A yearly policy offers the best value.