Best Travel Insurance for Flight Delays and Cancellations
Travel insurance has become more important than ever under the pandemic, as travellers need to be prepared for any sudden events. Flight delays and cancellation have become more common, as seen in HK Express and Cathay Pacific cancelling over 100 flights between Hong Kong and Japan in February 2023 due to Japan government's flight restrictions. What are the best Travel Insurance for flight delays and cancellations? Which travel insurance offer Covid-19 coverage? MoneySmart has got you covered!
Which travel insurance is the best for flight delays and cancellations coverage?
Click the plans below to find out:
Flight Delay Protection
AXA SmartTraveller Plus Economy Plan (Single Journey)
- Medical Coverage (Overseas)
- HK$500,000
- Trip Cancellation
- HK$25,000
- Loss/Damage of Baggage
- HK$10,000
- PremiumPremium
HK$24915% 折扣 - HK$211.65
【MoneySmart Exclusive Offer】
"Planned a few trips this year? Enjoy more savings with an Annual Plan!"
You can now enjoy 15% discount for AXA SmartTraveller Plus Annual Travel Insurance via MoneySmart! Within the promotional period, the applicant is also entitled to a gift of one HK$200 Klook.com e-Gift Card as a gift!
![Allianz Travel - Silver Plan [for ages 2 to 54]](https://photos.moneysmart.hk/travel_insurance/uploads/products/images/image_url_2022-11-29_Allianz_Travel_HK_NewHeader.png)
Allianz Travel - Silver Plan [for ages 2 to 54]
- Overseas Medical Expenses
- HK$1,500,000
- Travel Cancellation
- HK$20,000
- Loss/Damage of Baggage
- HK$15,000
- PremiumPremium
HK$241.2330% 折扣 - HK$168.86
【MoneySmart Exclusive Offer】
Enjoy 30% discount on Allianz Travel Insurance via MoneySmart! And for a limited time only, with each purchase of Allianz Travel Insurance of HK$400 premium or above (after discount), you will receive a gift of one HK$50 Park-N-Shop e-Coupon as a gift!
-with no line.png)
BOCG Insurance Universal Voyage Travel Insurance Silver Plan (Worldwide)
- Medical Coverage (Overseas)
- HK$500,000
- Trip Cancellation
- HK$30,000
- Loss/Damage of Baggage
- HK$6,000
- PremiumPremium
HK$23020% 折扣 - HK$184
【MoneySmart Exclusive Offer】
Enjoy 20% discount on BOCG Travel Insurance via MoneySmart! And for a limited time only, with each purchase of BOCG Travel Insurance of HK$350 premium or above (after discount), the applicant is entitled to one HK$50 YATA Department Store e-Coupon as a gift.
In the event of delay of public conveyance due to adverse weather conditions, natural disaster, strike, or “Black Alert” issued to the planned destination, etc., the insured person will be reimbursed cash allowance or reasonable and inevitable additional travel expenses and overseas accommodation costs. (subject to the T&Cs of the insurance policy)
For every 6 hours of delay, HK$300 cash allowance will be reimbursed.
Trip Cancellation Protection
Generali Bravo Travel Protector (Classic Plan)
- Overseas Medical Expenses
- HK$1,000,000
- Trip Cancellation
- HK$20,000
- Loss/Damage of Baggage
- HK$15,000
- PremiumPremium
HK$25425% 折扣 - HK$190.50
【MoneySmart Exclusive Offer】
Enjoy 25% discount (for Single Trip Travel products) & 20% discount (for Annual Travel products) on Generali Travel Insurance via MoneySmart! And for a limited time only, with each purchase of Generali Travel Insurance of HK$350 premium or above (after discount), you will receive a gift of one HK$50 Starbucks e-Coupon!
AXA SmartTraveller Plus Economy Plan (Single Journey)
- Medical Coverage (Overseas)
- HK$500,000
- Trip Cancellation
- HK$25,000
- Loss/Damage of Baggage
- HK$10,000
- PremiumPremium
HK$24915% 折扣 - HK$211.65
【MoneySmart Exclusive Offer】
"Planned a few trips this year? Enjoy more savings with an Annual Plan!"
You can now enjoy 15% discount for AXA SmartTraveller Plus Annual Travel Insurance via MoneySmart! Within the promotional period, the applicant is also entitled to a gift of one HK$200 Klook.com e-Gift Card as a gift!
BOCG Insurance Universal Voyage Travel Insurance Silver Plan (Worldwide)
- Medical Coverage (Overseas)
- HK$500,000
- Trip Cancellation
- HK$30,000
- Loss/Damage of Baggage
- HK$6,000
- PremiumPremium
HK$23020% 折扣 - HK$184
【MoneySmart Exclusive Offer】
Enjoy 20% discount on BOCG Travel Insurance via MoneySmart! And for a limited time only, with each purchase of BOCG Travel Insurance of HK$350 premium or above (after discount), the applicant is entitled to one HK$50 YATA Department Store e-Coupon as a gift.
Compare more Travel Insurance in HK Now!
Things to look out for on travel insurance
Making a claim
Most travel insurance covers travel delay/ cancellation caused by adverse weather, natural disasters, strikes, etc. In order to make a claim, travellers need to request a flight delay report.
Delay for 6 hours or more
If you are delayed by six hours, you are entitled to HK$250-300 every six hours in compensation. Any delays under six hours are not covered.
Coverage
Many standard travel insurance policies do not provide cover for airport closure, terrorist attacks, riot, etc. Most insurance policies cover adverse weather, natural disasters, travel alerts. It is important to check the coverage before purchasing.
Frequently Asked Questions
When should I buy travel insurance?
As soon as your flight and accommodation are booked, you should get your travel insurance right away to give you peace of mind. Your trip will be covered if anything goes wrong.
What is not covered in travel insurance?
It varies from provider to provider but in general, most insurance policies cover adverse weather, natural disasters, travel alerts. Many standard travel insurance policies do not provide cover for terrorist attacks.
How to make a claim?
You need to do so within 21-31 days after your trip. When making a claim, it is necessary to provide all supporting documents. If extra expenses incurred due to flight cancellation, please keep all receipts for any expenses you claim.
