Why Trust MoneySmart?Best Hong Kong Travel Insurance Plans for Families 2025
Looking for travel insurance plans for your family? With more family members to join the trip, there's more to protect. This guide will help you understand what to look for when comparing travel insurance plans for families in Hong Kong!
TLDR? Here’s Your Summary!
Age limits: When choosing a family travel insurance plan, be aware of age restrictions. Some plans may have limitations for infants or elderly individuals, which could affect premiums or coverage.
Medical and emergency support: This is crucial for children and seniors. Ensure the policy covers comprehensive medical expenses and 24-hour emergency support.
Trip cancellation or changes: This is very important for family trips, as one member getting sick or an unexpected event can change the entire itinerary.
Free coverage for kids: Some insurance companies offer family plans, which give free coverage for children traveling with their parents, which can lower the cost of a family trip.
Why a Family Travel Insurance Plan is Better Than Buying Individually
Kids under 18 can have free coverage
A single travel insurance plan for your family can save you money, which is perhaps the biggest benefit of buying a family plan. Some travel insurance plans offer free coverage for children aged 18 or below if they’re traveling with parents. STARR’s " TraveLead (Supreme) for example, children under 18 can get free coverage if their parents purchase a travel insurance policy.
Easier paperwork
Instead of buying multiple policies, you can cover everyone under a single application, which some providers allow for up to 20 people. Go to MoneySmart Travel Insurance comparison page, just enter the number of adults and children and voila, you can compare the premium of different travel insurance plans in one go!
Other than cost, if the unexpected happened, claims can also be submitted as a group, saving time and paperwork.
Key Things to Keep in Mind When Choosing Family Travel Insurance
Coverage May Differ for Family Members
When choosing travel insurance, pay attention to the age range it covers. Some plans may not cover infants, while elderly might need to pay higher premiums or will get less coverage. Some family policies only cover immediate family members.
For example, non-direct relatives like grandparents, adult children, nieces, or nephews traveling with you may not be covered. Before you go, you should double-check the age of each person in your family and consider whether you need to buy extra travel insurance.
Medical and Emergency Support
When traveling with family, making sure children and elderly having a good medical coverage amount is very important. When choosing travel insurance, you should check the benefit details, such as 24-hour emergency medical assistance and medical evacuation. If your trip includes high-risk activities, you should also make sure they are covered as well.
Trip Cancellation / Interruption Coverage
The more people you have on a family trip, the more things can go wrong. If any family member gets sick or something unexpected happens, the entire trip could be canceled or changed. Because of this, when choosing a travel insurance plan, you should carefully check the trip cancellation/change coverage and understand what the policy defines as a family member and what proof you'll need.
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Top 5 Travel Insurance Plans for Families
Here are the top 5 family travel insurance plans and their age and coverage limits:
Plan Name | Age limit | Medical coverage | Elderly coverage | Children coverage |
60 days to 75 years old | HK$2,000,000 | For ages between 60 days and 75 years, the maximum medical coverage is the same (100%). Allianz also offers 100% coverage for elderly with higher premium. | All children and under 18s can enjoy coverage at half price (but be aware that insured person should be at least 60 days old or above) | |
No age limit | HK$1,500,000 | 50% medical, accidental death and disablement coverage for 70 years old or above | 50% accidental death and disablement coverage for 18 years old or below | |
30 days and above | HK$1,000,000 | 50% medical, accidental death and disablement coverage for 70 years old or above | 25% medical coverage and 10% personal accident for 18 years old or below | |
60 days to 80 years old | HK$1,500,000 | For ages between 60 days and 80 years, the maximum medical coverage is the same (100%). | ||
Avo Worldwide Restful Travel Protection - Plus Plan (Area 1) | Up to 80 years old | HK$1,100,000 | For ages between 18 and 80 years, the maximum medical coverage is the same (100%). |
Group Travel Premium Discounts
Plan Name | Group discount | 2 adults | 2 adults + 1 child | 2 adults + 2 children |
N/A | HK$253.2 | HK$316.8 | HK$380.4 | |
Any children under 18 traveling with parents are covered for free | HK$300.3 | HK$300.3 | HK$300.3 | |
Any children under 18 traveling with parents are covered for free | HK$290 | HK$290 | HK$290 | |
5% discount on your premium when you purchase a single trip travel insurance policy for two or more people | HK$373.8 | HK$560.7 | HK$747.6 | |
Avo Worldwide Restful Travel Protection - Plus Plan (Area 1) | N/A | HK$284.2 | HK$327.6 | HK$372.6 |
*The premiums listed in the table are for a single 4-day trip to Japan. *For reference only, different ages may have different premiums, always check the full policy details before purchasing.
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