FWD Travel Insurance in Hong Kong 2026:Reviews and Discount
Compare FWD travel insurance plans in Hong Kong on MoneySmart, from its coverage to premiums, at one glance.
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🌟【 Moneysmart July Exclusive】
From now until Jul 21, purchase FWD Travel Insurance Plan with a minimum premium HK$280 to receive a HK$100 HKTVMall e-voucher, or spend HK$450 to receive a HK$150 HKTVMall e-voucher!
【🌴MoneySmart Summer exclusive 70,000 Asia Miles Giveaway】
From July 2 to August 2, customers who successfully purchase a designated Travel Insurance Plan via MoneySmart with a minimum premium of HK$150 per policy, and answer a creative question via the claim form. The 10 most creative entries will be selected as winners and stand a chance to 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 *
Valid till 21 Jul 2026
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FWD Travel Insurance Review: MyTravel Insurance
| FWD Travel Insurance Plan | Superior Plan | Premium Plan | Economy Plan |
|---|---|---|---|
| Target Audience | Frequent travellers, multiple trips a year, or those seeking maximum coverage | Road trip enthusiasts and pet owners | Quick getaways and budget-conscious travellers |
| Overseas Medical Expenses (Aged 70 or below) | HK$1,500,000 | HK$1,000,000 | HK$500,000 |
| Trip Cancellation or Curtailment | HK$50,000 | HK$25,000 | Not Covered |
| Baggage & Personal Effects | HK$20,000 | HK$10,000 | Not Covered |
| Theft of Mobile Device | Laptop: Up to HK$5,000 Mobile/Other Devices: Up to HK$3,000 |
Laptop: Up to HK$5,000 Mobile/Other Devices: Up to HK$3,000 |
Not Covered |
| Cancellation or Change of Travel Date for Any Reason | HK$25,000 (50% Deductible) | Not Applicable | Not Applicable |
*If you plan to travel more than 4 to 5 times a year (or 7 times or more within Asia), opting for an Annual Travel Plan offers significantly better value for money!
Is FWD Travel Insurance Worth it? FWD MyTravel Insurance Coverage
Section Blurb
1. "Cancel or Change for Any Reason" Protection
Key Requirement: To be eligible for this specific benefit, your policy must be purchased before or within 30 days from the date you made your initial trip payment or deposit, and the cancellation/change must be executed before your original scheduled departure time.
2. Medical Expenses & Post-Trip Follow-up Care
The Economy, Premium, and Superior plans provide up to HK$500,000, HK$1,000,000, and HK$1,500,000 respectively for overseas medical expenses (for travellers aged 70 or below). Furthermore, all three plans include coverage for follow-up medical treatments in Hong Kong within 90 days of your return. If you require follow-up visits to a registered Chinese medicine practitioner, bonesetter, acupuncturist, physiotherapist, or chiropractor, the policy covers up to HK$3,000 in total (limited to HK$200 per day).
3. Safeguarding Mobile Devices, Laptops, and Personal Belongings
The Premium and Superior plans safeguard your baggage and personal effects against theft, permanent loss, or accidental damage during your trip. If your laptop or mobile device is stolen via robbery or burglary, you can claim the corresponding replacement or repair costs. Please note that any mobile device claim must be reported to the local police within 24 hours of occurrence, and a written police report must be obtained as proof.
4. Overseas Car Rental Excess Protection
Both Premium and Superior plans come equipped with a Rental Vehicle Excess benefit of up to HK$5,000. This is perfect for travellers planning a road trip, provided you have taken out a comprehensive motor vehicle insurance policy with the rental company for the vehicle. (Note: The Economy Plan does not include this benefit.)
5. Market-Rare Pet Care Protection
If you have furry family members back home, the Premium and Superior plans offer dedicated pet protections:
- Emergency Pet Boarding: If your return to Hong Kong is delayed by over 24 hours due to a common carrier delay or because you are hospitalized overseas, the policy reimburses unexpected pet boarding fees up to HK$500 per day.
- Curtailment of Journey (Pet): If your pet falls critically ill in Hong Kong and requires emergency, life-saving treatment, forcing you to cut your trip short and return home early, you can claim a reimbursement for your unused and forfeited travel costs (subject to a 50% deductible).
6. Missed Event (Concert & Theme Park Tickets) Protection
If you pre-book event tickets but find yourself unable to attend a planned theme park visit, concert, artistic performance, or sports event due to an unexpected death, serious injury, or illness affecting you, your travel companion, or an immediate family member within 30 days before the trip begins, the plan reimburses your unused and non-refundable ticket costs or entry fees up to HK$15,000 (Superior Plan).
Major Exclusions
- War, civil war, invasion, insurrection, revolution, or usurpation of government power.
- Nuclear hazards or radioactive contamination (this exclusion is waived for the "Cancellation/Change for Any Reason" sections) .
- Any insured person who is a recognized terrorist, member of a terrorist organization, or narcotics trafficker.
- Pre-existing medical conditions, congenital conditions, and hereditary conditions (waived for "Cancellation/Change for Any Reason") .
- Suicide, attempted suicide, or intentional self-injury.
- Participating in professional sports or motor racing competitions where remuneration is earned.
- Prohibitions, rules, or regulations enforced by any national or local government.
Outbound Travel Alerts: How Claims Are Paid
If a destination on your itinerary is placed under an unexpected travel alert by the Hong Kong Security Bureau after your policy becomes effective (and at least one day post-purchase), and it remains in force within one week of your departure date, forcing a trip cancellation, you are eligible for the following payouts:
- Red Travel Alert: Reimburses up to 50% of the Sum Insured.
- Black Travel Alert: Reimburses up to 100% of the Sum Insured.
Claims Procedure Tutorial
Claims can be seamlessly submitted online through the official FWD website or its eServices digital platform. Please remember that you must retain all original supporting documents for at least 3 months (even after your claim has been paid and settled) for FWD’s validation or internal audit purposes.
FWD MyTravel Insurance FAQ
Why should I buy FWD MyTravel Insurance?
- While the Economy Plan provides essential core protection (medical, personal accident, and hospital cash) , the Premium and Superior plans offer highly comprehensive care. The standalone selling point is the Superior Plan's "Cancel for Any Reason" and "Missed Event" benefits, which grant travellers unparalleled peace of mind against personal schedule shifts or sudden cancellations that normal policies exclude.
If I lose my mobile phone during the trip, will FWD cover the loss?
- If you are covered under the Premium or Superior plan and your device is lost due to theft, robbery, or burglary, you can receive a payout of up to HK$3,000. You must report the incident to the local police within 24 hours and submit the official police report along with a purchase invoice and photos of the damage (if applicable).
Which high-risk sports activities are covered under FWD MyTravel Insurance?
- Conventional amateur recreational sports like skiing and scuba diving are covered, provided they are accessible to the general public, not part of a professional competition, and undertaken under the supervision of qualified local guides. However, the policy enforces strict technical limits: it excludes deep-sea diving beyond a depth of 30 meters , trekking above an altitude of 3,000 meters , and any proper mountaineering requiring specialized ropes and anchors. On the plus side, the plan includes a "Loss of Sporting Equipment" benefit (up to HK$15,000), covering the repair or replacement of valuable gear like ski equipment if it is damaged by a common carrier or stolen.
Can I buy this policy at the very last minute on my departure day?
- You can purchase FWD travel insurance right up until you clear Hong Kong immigration on your departure day. However, please remember that time-sensitive add-on perks—such as the "Cancellation or Change of Travel Date for Any Reason" benefit—legally require you to have purchased the policy within 30 days of making your very first trip deposit.
FWD Travel Insurance, also known as TravelCare Plus Insurance, is sold by FWD Financial Limited (License No.: FA2568) (“FWD Financial”) and underwritten by bolttech Insurance (Hong Kong) Limited (“bolttech Insurance”). FWD Financial is an appointed insurance agency of bolttech Insurance. The above information is sponsored/provided by FWD Financial and as a product summary for reference only. For the details of summary of benefits, please refer to the brochure of the plan, and for exact terms and conditions and the full list of exclusions of the plan, please refer to the policy provisions of the plan. The offer is subject to the terms and conditions.
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