Allianz Travel Insurance Hong Kong 2026: Enjoy 40% Off Discount
Which Allianz Travel Insurance plan is good for you? Compare Allianz Travel Insurance Gold, Silver and Bronze Plans on MoneySmart now! Get to know more about Allianz travel insurance coverage including medical expenses, personal accident, travel delay, personal liability benefit.
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We found 3 Allianz Insurance Insurance Plans for you!
ćYour Travel Hack Wins a Lounge Pass š”ć
From June 1 to June 14, customers who successfully purchase a designated Travel Insurance Plan via MoneySmart with a minimum premium of HK$150 per policy, with policy effective on or before June 21, and answer a creative question via the claim form:āWhatās your survival tip when travelling with elderly family members?ā. The 20 most practical and creative entries will be selected as winners and stand a chance to win a Plaza Premium Lounge Pass for Two (Value: HK$1,170)!
š [All Customers] AIRSIM HK$20 Travel SIM Prepaid Card + AIRSIMe eSIM^ AND HK$100 Trip.com flight promo code ^^
Valid till 14 Jun 2026
ćYour Travel Hack Wins a Lounge Pass š”ć
From June 1 to June 14, customers who successfully purchase a designated Travel Insurance Plan via MoneySmart with a minimum premium of HK$150 per policy, with policy effective on or before June 21, and answer a creative question via the claim form:āWhatās your survival tip when travelling with elderly family members?ā. The 20 most practical and creative entries will be selected as winners and stand a chance to win a Plaza Premium Lounge Pass for Two (Value: HK$1,170)!
š [All Customers] AIRSIM HK$20 Travel SIM Prepaid Card + AIRSIMe eSIM^ AND HK$100 Trip.com flight promo code ^^
Valid till 14 Jun 2026
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Why Allianz Travel Insurance?
Allianz Travel provides coverage for overseas medical expenses, travel cancellation and loss/damage of baggage and personal effects. Moreover, it provides the following perks, giving you and your family the protection needed on your vacation from unforeseen circumstances:
Cancel for Any Unforeseen Reason
Allianz Travel Insurance Gold Plan covers your unrecoverable trip deposits due to unforeseen cancellations, which may arise from changes in plans, schedule conflicts, unexpected obligations, and more. Benefit sum insured up to HK$ 20,000.
Extensive Coverage
Allianz Travel provides coverage even for air miles and loyalty card points , travel delay allowance after only 5 hours (less than the threshold set by other travel insurance provider), and also theft of mobile devices - which are not always covered by other travel insurance products.
24/7 Emergency Assistance Services
If you need any emergency assistance, Allianz has got you covered no matter which time zone you are in. In this way, you can always reach out should you need advice on your travel insurance.
Fast and easy claim process
Allianz Travel Insurance offers a fast and easy way for insurers to submit a claim - which saves insurers a lot of hassles down the line.
Single Trip Travel Insurance VS Annual Trip Travel Insurance
Which one should I buy? - Single Trip Travel Insurance VS Annual Trip Travel Insurance
Single Trip Travel Insurance: suitable for travellers who only travel occasionally
Annual Cover: for travellers who travel frequently.
Allianz Travel Insurance provides both and the Allianz Annual Trip Plan allows insurers to take an unlimited number of overseas trips over a 12 month period. However, each trip can only last for 90 days max.
What is the difference between Allianz Single Trip Travel Insurance VS Annual Cover?
Allianz Single Trip Travel Insurance comes with 3 tiers: Bronze, Silver and Gold - with medical coverage starting with HK$1 million Annual Cover only comes with 2 tiers: Silver and Gold - with medical coverage with HK$1.5 million.
In terms of the coverage, they are the same. Both offer coverage on medical expenses, overseas hospital daily cash benefits, emergency medical assistance, personal accident and delay and cancellation, loss and damage with the following key features:
- Cancellation benefits up to HK$ 40,000
- Mileage and other redeemed ticket are covered in case of cancellation
- Medical expenses up to HK$2,000,000
- Terrorist attack coverage
- Mobile loss due to theft is covered
Allianz Travel Insurance Plans Coverage Comparison
| Benefit | Gold | Silver | Bronze |
|---|---|---|---|
| Overseas Medical Expenses | HK$2,000,000 | HK$1,500,000 | HK$1,000,000 |
| Follow-up Medical Expenses | HK$100,000 | HK$50,000 | HK$25,000 |
| Overseas Hospital Daily Cash | HK$10,000 | HK$5,000 | N/A |
| Baggage and Personal Belongings | HK$25,000 | HK$15,000 | N/A |
| Mobile Device Theft Cover | HK$5,000 | N/A | N/A |
| Rental Vehicle Excess | HK$5,000 | N/A | N/A; |
| Missed Overseas Booked Activities | HK$3,000 | N/A | N/A |
| Home Contents Cover (per item limit) | HK$20,000 (max HK$3,000/item) | N/A | N/A |
Should I get Allianz Annual Cover or Single Trip Cover?
In other words, you will only benefit financially from getting an Annual Travel Insurance if you do decide to travel up to or more than 6 times a year. If not, it is cheaper to buy single travel insurance.
With that said, If you travel multiple times a year, you do need to purchase single travel insurance every time you go on holiday. If you buy annual cover, it can save you the hassle from buying travel insurance every time you travel.
How to Claim Allianz Travel insurance?
You can make a claim through the Allianz eclaims portal. To submit a claim, you can simply go to the Allianz website and click the button provided to be directed to the eclaims site and start the process of submitting your claim online. There is no need to submit manual application forms and post it or deliver it in person. Below are the steps to submit a claim:
Go to the Allianz e-claims site
Select claim type: flight delay, baggage delay, medical expenses, trip cancellation or personal effects
Fill in a form providing policy information including policy number, travel details and claim details
Submit documents
Select claim payment method
Major Exclusions
- Any Pre-Existing Condition
- Pandemics or Epidemics
- Pregnancy or childbirth
- Any Injury or Sickness related to pregnancy or childbirth
- Extreme Sport or Sport Activities including mountaineering or trekking above 3,000 meters
- Sporting competitions
- Professional Sports
- Any loss which occurs in connection with the effects of alcohol or drugs
- Travel suppliers and common carrierās cessation of operations due to financial condition, with or without filing for bankruptcy
- Any losses incurred in sanctioned countries
- Expeditions, manual work, missionary or humanitarian travel
- Travel to countries which are known to be at elevated risk
Which Allianz Travel Insurance Plan Is Best for Me?
Choosing the right Allianz Travel Insurance plan depends on your travel habits, budget, and the level of protection you need for your trip. Hereās how to decide which plan is the best fit for you:
Gold Plan ā Best for Frequent or High-Value Travelers
Opt for the Gold Plan if you want the most comprehensive protection, including the highest limits for medical expenses (up to HK$2,000,000), baggage and personal belongings (up to HK$25,000), and extra benefits such as mobile device theft, rental vehicle excess cover, and daily hospital cash. Itās ideal for:
- Long overseas trips or round-the-world travel
- Those carrying expensive gadgets or sports equipment
- Adventure travelers who want wider coverage for activities
- Families, as family plans are available with enhanced benefits
Silver Plan ā Best for Balanced All-Round Coverage
The Silver Plan offers robust protection with slightly lower limits (e.g., HK$1,500,000 medical, HK$15,000 baggage cover) while keeping premiums more affordable. Itās a great option for:
- Most leisure travelers to Japan, Korea, Southeast Asia, or Europe
- Holiday-makers who want travel delay, trip cancellation, and medical coverage without paying top-tier rates
- Occasional business travelers
- Individuals or families who want a balanced plan
Bronze Plan ā Best for Basic Cover and Budget Trips
Choose the Bronze Plan if your priority is low-cost basic protection, especially for short-haul trips or if you already have some coverage via credit card insurance. This plan covers essentials like emergency medical expenses (up to HK$1,000,000), but does not include baggage or cancellation coverage. Itās suitable for:
- Students and budget travelers
- Young adults or solo travelers with minimal valuables
- Those who just want medical protection for short trips
Annual Cover ā Best for Frequent Flyers
If you travel multiple times a year, consider the Annual Plan (Gold or Silver). It allows unlimited 90-day trips within 12 monthsāsaving both time and money compared to buying multiple single-trip policies.
Allianz Travel Insurance Brochure
FAQ
Who can buy Allianz Travel Insurance?
- Residents with a Hong Kong ID between the age of 18 to 75 years old are eligible.
Does Allianz Travel Insurance offer Covid-19 Coverage?
- Yes, Allianz Travel offers COVID-19 coverage, providing cover for medical expenses and cancellation of journeys.
If my phone is lost while Iām on holiday, will Allianz Travel Insurance cover my loss?
- Yes, Allianz Travel covers the loss of your mobile devices in case of theft.