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!

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Which travel insurance is the best for flight delays and cancellations coverage?

Flight Delay Protection

Online Promo
Medical Coverage (Overseas)
HK$500,000
Trip Cancellation
HK$25,000
Loss/Damage of Baggage
HK$10,000
Total Premium
Total PremiumHK$24915% 折扣
HK$211.65
Online Promo:
【AXA SmartTraveller】
From now until 31 Jan 2023, purchase AXA SmartTraveller Plus Plan via MoneySmart to get 15% off!

Valid until 31 Jan 2023
In case of travel delays for 6 hours or more, extra overseas accommodation expenses, irrecoverable deposits or charges for accommodation and missed events (such as forfeited museum or theme park tickets) can be covered under AXA SmartTraveller Plus Economy Plan.
MoneySmart Exclusive
MoneySmart Exclusive

Allianz Travel - Silver Plan

Overseas Medical Expenses
HK$1,500,000
Travel Cancellation
HK$20,000
Loss/Damage of Baggage
HK$15,000
Premium
PremiumHK$219.330% 折扣
HK$153.51

【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$450 premium or above (after discount), you will receive a gift of one HK$50 Pasticceria Cova e-Coupon as a gift!

Valid until 31 Mar 2023
Allianz Travel Silver Plan provides travel delay coverage (HK$300 per 5 hours, maximum compensation HK$2,000) and baggage delay allowance (HK$500 after 6 hours).
Medical Coverage (Overseas)
HK$1,000,000
Trip Cancellation
HK$25,000
Loss/Damage of Baggage
HK$10,000
Total Premium
Total PremiumHK$19020% 折扣
HK$152
STARR Companies TraveLead Extra Plan (single trip) provides cash benefit for common carrier delay for more than 6 hours (HK$300/6 hours, maximum compensation HK$1,500) or reimburse for additional travel fare (HK$2,000).
MoneySmart Exclusive
Medical Coverage (Overseas)
HK$500,000
Trip Cancellation
HK$30,000
Loss/Damage of Baggage
HK$6,000
Total Premium
Total PremiumHK$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$450 premium or above (after discount), you will receive a gift of one HK$50 Park-N-Shop e-Coupon!

Valid until 31 Mar 2023

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

MoneySmart Exclusive
Medical Coverage (Overseas)
HK$1,000,000
Trip Cancellation
HK$20,000
Loss/Damage of Baggage
HK$15,000
Total Premium
Total PremiumHK$25430% 折扣
HK$177.80

【MoneySmart Exclusive Offer】
Enjoy 30% discount on Generali Travel Insurance via MoneySmart! And for a limited time only, with each purchase of Generali Travel Insurance of HK$450 premium or above (after discount), you will receive a gift of one HK$50 Starbucks e-Coupon!

Valid until 31 Mar 2023
The maximum compensation for Generali Bravo Travel Protector (Classic Plan) is HK$20,000. Additional cruise benefits (including cancellation of cruise trip) are only available for those who take out Premier Plan.
Online Promo
Medical Coverage (Overseas)
HK$500,000
Trip Cancellation
HK$25,000
Loss/Damage of Baggage
HK$10,000
Total Premium
Total PremiumHK$24915% 折扣
HK$211.65
Online Promo:
【AXA SmartTraveller】
From now until 31 Jan 2023, purchase AXA SmartTraveller Plus Plan via MoneySmart to get 15% off!

Valid until 31 Jan 2023
AXA SmartTraveller Plus Economy Plan (Single Journey) covers loss of deposit/charges on transportation, accommodation and missed events in the even of trip cancellation.
MoneySmart Exclusive
Medical Coverage (Overseas)
HK$500,000
Trip Cancellation
HK$30,000
Loss/Damage of Baggage
HK$6,000
Total Premium
Total PremiumHK$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$450 premium or above (after discount), you will receive a gift of one HK$50 Park-N-Shop e-Coupon!

Valid until 31 Mar 2023
In case of trip cancellation caused by certain events, the irrecoverable prepaid fees (including air ticket, accommodation expenses, tour package fee, etc.) will be reimbursed to the insured.

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.

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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.