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Compare AXA Travel Insurance Hong Kong 2026: Enjoy 0% Off Discount

We found 2 AXA Insurance Plans for you!

AXA SmartTraveller Plus Premier Plan image
HK$190
Premium
AXA SmartTraveller Plus Premier Plan
HK$500,000
Medical Expenses
HK$25,000
Trip Cancellation
HK$8,000
Loss/Damage of Baggage
MoneySmart Exclusive

【🌴MoneySmart 70,000 Asia Miles Giveaway Round 2】
From August 3 to 30, customers who successfully purchase a designated Travel Insurance Plan via MoneySmart and answer a creative question via the claim form. The 10 most creative entries will be selected as winners and win 7,000 Asia Miles, equivalent to a one-way flight ticket to Taiwan! (automatically converted from 14,000 SmartPoints and directly credited to the Cathay membership account)

 

🎁 [All Customers can choose]
- AIRSIM HK$20 Travel SIM Prepaid Card ^ OR
- AIRSIMe eSIM * OR
- Bowtie VHIS 40% off first-year premium + Comprehensive Dental Service 1 time^^

Valid till 30 Aug 2026

APPLY NOW for AXA SmartTraveller Plus Premier Plan
on AXA's secure site
AXA SmartTraveller Plus Privilege Plan image
HK$290
Premium
AXA SmartTraveller Plus Privilege Plan
HK$1,000,000
Medical Expenses
HK$50,000
Trip Cancellation
HK$15,000
Loss/Damage of Baggage
MoneySmart Exclusive

【🌴MoneySmart 70,000 Asia Miles Giveaway Round 2】
From August 3 to 30, customers who successfully purchase a designated Travel Insurance Plan via MoneySmart and answer a creative question via the claim form. The 10 most creative entries will be selected as winners and win 7,000 Asia Miles, equivalent to a one-way flight ticket to Taiwan! (automatically converted from 14,000 SmartPoints and directly credited to the Cathay membership account)

 

🎁 [All Customers can choose]
- AIRSIM HK$20 Travel SIM Prepaid Card ^ OR
- AIRSIMe eSIM * OR
- Bowtie VHIS 40% off first-year premium + Comprehensive Dental Service 1 time^^

Valid till 30 Aug 2026

APPLY NOW for AXA SmartTraveller Plus Privilege Plan
on AXA's secure site

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AXA Travel Insurance Hong Kong Review 2026: Plans, Coverage & Exclusions

Looking for comprehensive travel protection for your next holiday or business trip? AXA Travel Insurance offers tailored coverage for individuals and families traveling overseas from Hong Kong.

Compare AXA Best Travel Insurance

Travel Insurance PlanSpecialityMedical Coverage
Travel Insurance PlanAXA SmartTraveller Plus Budget Plan (Standard Journey)SpecialityFree automatic 10 days extensionMedical CoverageHK$250,000
Travel Insurance PlanAXA SmartTraveller Plus Premier Plan (Single Journey)SpecialityCover for amateur sports, including skiing, amateur marathon and snorkellingMedical CoverageHK$500,000
Travel Insurance PlanAXA SmartTraveller Plus Privilege Plan (Single Journey)SpecialityUp to HK$5,000 cover for self-driving tourMedical CoverageHK$1,000,000
Travel Insurance PlanAXA SmartTraveller Plus Premier Plan (Annual Cover)SpecialityAccept renewal up to 80 years oldMedical CoverageHK$500,000
Travel Insurance PlanAXA SmartTraveller Plus Privilege Plan (Annual Cover)SpecialityOffers family plan to parents and all of their children aged 30 days or more and under 18 years oldMedical CoverageHK$1,000,000

Why AXA Travel Insurance?

AXA Travel Insurance gives you and your family comprehensive protection. While almost all travel insurance offers medical protection, AXA Travel Insurance has more extensive coverage, covering your medical expenses during and after the trip from guaranteed hospital admittance deposit to local translation services costs and follow-up medical expenses after returning to Hong Kong. The medical protection also covers alternative treatments such as Chinese bone-setting, acupuncture, physiotherapy or chiropractic treatment for you to choose the most suitable medical care you need. AXA Travel Insurance also provides emergency medical evacuation, compassionate visits and return of unattended dependent children.

AXA Travel Insurance: Single Journey VS Annual Cover

Single Journey Cover is designed for travellers who only travel occasionally while Annual Cover is tailored for frequent travellers. If you compare the cost of annual and single travel insurance plans, you will find that the cost of the former is on average almost 6 times more than the cost of the latter. In other words, unless you are a frequent traveller that will travel up to or more than 6 times a year, it is probably cheaper to buy single travel insurance. If you opt for single travel insurance for multiple trips a year, you will need to purchase single travel insurance every time when you go on holiday. If you choose the annual cover, it also saves you the hassle from buying travel insurance every time you travel.

AXA Travel Insurance Coverage

No matter if you book a tour or travel on your own, you will also need to compare the coverage of different types of policy and pick the one that suits you and your family the most.

For single-journey travel insurance, your unmarried child/ children aged 30 days or more and under 18 years old can enjoy free cover if the details of the children are provided in the application form.

It is worth noting that the age limit applies to travel insurance. For a single journey policy, the insured person must be 30 days old or above. The maximum limit for the annual cover is 75 years old. This policy provides cover for lost or damaged personal belongings including mobile phone and tablet (applicable to Privilege Plan).

How to Submit an AXA Travel Insurance Claim

You can easily submit your AXA travel insurance claims online! Just download the AXA travel insurance claim form, fill in the details of your claims, submit it with relevant documents and your claim will be processed within 7 working days.

AXA Travel Insurance Optional Covers

For single trip travel insurance, your children are eligible for free cover. You can also upgrade the plan to enjoy enhanced children's cover to 100% medical expenses coverage and 50% accidental death coverage. You can pay for the optional coverage for the guarantee of hospital deposit to the hospital under Hospital Network in China if you present the China Hospital Deposit Guarantee Card.

If you will take cruise on your trip, you can consider getting the Enhanced Cruise Benefit add-on for AXA Travel Insurance Premier or Privilege Plan, which covers curtailment or cancellation of the cruise, short excursion allowance for cancellation or curtailment, and satellite phone call on cruise, etc.

AXA Travel Insurance: SmartTraveller Plus Digital Services & Features

AXA offers several digital tools and overseas emergency features to manage your policy:

  • Emma by AXA App: Policyholders can download the app to view policy details, access the Mainland China Hospital Deposit Guarantee Card, locate network hospitals, and file claims directly.
  • 24/7 Chatbot Support: The Emma chatbot provides instant assistance with coverage details, hospital lists, and emergency contacts.
  • Virtual Overseas Consultations: Annual Cover policyholders traveling to designated locations (Japan, Singapore, Thailand, Vietnam, and the Philippines) can access up to 2 free virtual medical consultations per policy period via MyDoc Health Passport. Prescription and medication delivery costs can also be reimbursed under medical coverage if incurred due to accidental injury or illness abroad.

AXA Travel Insurance Exclusions: SmartTraveller Plus

While AXA SmartTraveller Plus offers broad travel coverage, specific exclusions apply across the policy:

  • Pre-existing Conditions: Any injury, illness, disease, or medical condition existing prior to the journey is not covered.
  • Professional & High-Risk Sports: Participating in sports or games in a professional capacity, or engaging in non-foot racing competitions (such as car, boat, cycling, or horse racing) and motor rallies, is excluded.
  • High-Risk Activities & Manual Labor: Engaging in manual labor or physical work; offshore activities like commercial diving, mining, oil rigging, or aerial photography; handling explosives; or working as a site worker, fisherman, tour guide, or escort is not covered.
  • Unlicensed Aviation: Any aviation activity is excluded unless the insured is traveling as a fare-paying passenger on a fully licensed commercial aircraft.
  • Pregnancy & Specific Medical Cases: Claims resulting from pregnancy, childbirth, miscarriage, or related complications are excluded. Similarly, venereal or sexually transmitted diseases, AIDS, and ARC are not covered.
  • Self-Inflicted Injury & Substance Abuse: Intentional self-harm, insanity, or incidents occurring while under the influence of alcohol or non-prescribed drugs are excluded.
  • Government Warnings & Outbound Travel Alerts: Travels undertaken contrary to medical advice, for medical treatment, or to regions subject to a pre-existing "Black" Outbound Travel Alert prior to policy issuance/booking are not covered. Furthermore, events related to Red/Black alerts (excluding COVID-19) are excluded if travel commenced after the alert was issued.
  • Vaccine-Preventable Diseases: Claims arising from vaccine-preventable illnesses where mandatory vaccinations required by the Hong Kong government or the destination country were not obtained prior to travel are excluded.

AXA Travel Insurance Frequently Asked Questions

Does AXA Travel Insurance offer Covid-19 Coverage?

Yes, AXA Travel Insurance offers coverage for Covid-19.

If my phone is lost while I’m on holiday, will AXA SmartTraveller Plus cover my loss?

No. Although this policy provides cover for lost or damaged personal belongings(applicable to Superior and Economy Plan), mobile phones and tablets are not covered.

How far in advance can I buy travel insurance?

You can purchase SmartTraveller Plus 90 days before your trip departure date. Benefits provisions for the loss of deposit and trip cancellation (applicable to Superior and Economy plan) become effective once the insurance is bought. Therefore, it would be wise to buy your travel insurance as soon as you can.

Will AXA SmartTraveller Plus cover my loss for overbooked flight?

Yes, SmartTraveller Plus will cover your extra accommodation and meal expenses due to overbooking of a flight. (applicable to Superior and Economy Plan)

Can I buy SmartTraveller Plus after I arrive at my destination?

AXA's SmartTraveller Plus Insurance Plan commences when the insured person leaves his/her place of residence in Hong Kong. Therefore, you will not be covered if you buy the insurance policy after you arrived at your destination. In fact, it is better to buy travel insurance earlier as SmartTraveller Plus accepts application 90 days prior to the departure date. Getting SmartTraveller Plus earlier before your departure will be able to cover your risk from unexpected incidents such as serious illnesses or travel alerts raised that may cause flight delay or cancellation before your departure. (Applicable to Superior and Economy Plan)

Does SmartTraveller Plus cover licensed diving?

SmartTraveller Plus covers general amateur sports and activities such as licensed diving with no limit on the depth of dive. However, please note that any kind of labor or manual work such as commercial diving, oil rigging, mining are not covered.

Are hazardous sports covered?

AXA SmartTraveller Plus covers general amateur sports and activities. The policy sets no limit on the depth of dive.

What happens if my flight or travel is delayed due to bad weather or strikes?

If your public common carrier is delayed for 6 hours or more due to covered events, such as adverse weather, strikes, natural disasters, airport closures, or mechanical breakdown, AXA provides a cash allowance for every 6 hours of delay. Depending on the plan, it also covers additional overseas accommodation expenses, irrecoverable pre-paid deposits, or re-routing travel costs.

Does AXA Travel Insurance cover Chinese medicine or alternative treatments?

Yes, AXA covers follow-up medical treatments and overseas consultations including Chinese bone-setting, acupuncture, physiotherapy, and chiropractic care up to HK$3,000 (subject to a sublimit of HK$200 per day) across all plan tiers.

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