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 2 Allianz Insurance Insurance Plans for you!
[Earn Asia Miles as low as HK$0.5 = 1 Mile! ]
Travel in pairs, get an extra 10% off! From 12 October to 1 November 2026, customers who successfully purchase an Allianz Travel Insurance Silver or Gold Plan via MoneySmart with a net premium of HK$150 or above, and are among the first 150 customers to submit the reward redemption form on or before 8 November 2026, will receive 300 Asia Miles^ (automatically converted from 600 SmartPoints and directly credited to the Cathay membership account). Limited quota, first come, first served. T&Cs apply.
🎁 [All Customers can choose]
- AIRSIM HK$20 Travel SIM Prepaid Card # or
- AIRSIMe eSIM *
Valid till 01 Nov 2026
[Earn Asia Miles as low as HK$0.5 = 1 Mile! ]
Travel in pairs, get an extra 10% off! From 12 October to 1 November 2026, customers who successfully purchase an Allianz Travel Insurance Silver or Gold Plan via MoneySmart with a net premium of HK$150 or above, and are among the first 150 customers to submit the reward redemption form on or before 8 November 2026, will receive 300 Asia Miles^ (automatically converted from 600 SmartPoints and directly credited to the Cathay membership account). Limited quota, first come, first served. T&Cs apply.
🎁 [All Customers can choose]
- AIRSIM HK$20 Travel SIM Prepaid Card # or
- AIRSIMe eSIM *
Valid till 01 Nov 2026
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Allianz Travel Insurance Guide: Promo Code, Coverage and Claims
Too much to read? Get the key takeaways in seconds!
- Key Features & Perks: Covers "Cancel for Any Unforeseen Reason" (Gold Plan), travel delays after just 5 hours, mobile device theft, air miles loss, and 24/7 global emergency assistance.
- Single Trip vs. Annual Cover: Single trip caters to occasional travel across 3 tiers (Bronze, Silver, Gold). Annual Cover permits unlimited 90-day trips for a 12-month period and is financially ideal if traveling 6 or more times a year.
- Plan Tiers Comparison: Medical coverage spans from HK1M(Bronze)uptoHK2M (Gold). Gold includes exclusive perks such as mobile device theft (HK$5,000), rental vehicle excess, and daily hospital cash.
- Easy Digital Claims: Claims are submitted online through the Allianz e-claims portal without the need for manual physical forms.
- Eligibility & Exclusions: Covers ages 60 days to 75 years (including COVID-19). Major exclusions include pre-existing conditions, pregnancy, extreme sports (>3,000m), alcohol-related loss, and sanctioned regions.
- Exclusive Promo Code: Apply promo code "AZSPECIAL40" at checkout to enjoy a 40% discount on your premium.
Why Allianz Travel Insurance?
Allianz Travel provides coverage for overseas medical expenses, travel cancellation and loss/damage of baggage and personal effects. Moreover, it provides the following perks, giving you and your family the protection needed on your vacation from unforeseen circumstances:
Cancel for Any Unforeseen Reason
Allianz Travel Insurance Gold Plan covers your unrecoverable trip deposits due to unforeseen cancellations, which may arise from changes in plans, schedule conflicts, unexpected obligations, and more. Benefit sum insured up to HK$ 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.
If you compare the cost of Allianz Annual and Single travel insurance plans, you will find that the cost of the Annual Plan - Bronze is on average almost 6 times more expensive than the Single 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, an annual coverage can save the hassle of buying travel insurance every time you travel.
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$1million.
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 million
- Terrorist attack coverage (but terrorist attack is explicitly excluded as grounds for cancellation/change of destination claims)
- 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$500/day) |
HK$5,000 (HK$500/day) |
N/A |
| Baggage and Personal Belongings | HK$25,000 (Max HK$3,000/item) |
HK$15,000 (Max HK$2,000item) |
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 |
How to Claim Allianz Travel insurance?
You can make a claim through the Allianz e-claims portal. To submit a claim, you can simply go to the Allianz website and click the button provided to be directed to the e-claims 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 carrier’s 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. Here’s how to decide which plan is the best fit for you:
Gold Plan – 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. It’s 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 – 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. It’s 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 – 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. It’s 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 – 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 months—saving both time and money compared to buying multiple single-trip policies.
Allianz Travel Insurance Brochure
FAQ
Who can buy Allianz Travel Insurance?
- Allianz Travel Insurance covers insured persons from 60 days to 75 years old.
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 I’m on holiday, will Allianz Travel Insurance cover my loss?
- Yes, Allianz Travel covers the loss of your mobile devices in case of theft.
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