Travel Insurance with gadget cover: Which covers your mobile phone?
Travellers may have experienced loss or theft of mobile phones which not only causes financial loss and inconvenience, but may also affect your mood (just image all the precious photos are GONE without data backup!)
Which travel insurance offers mobile cover? Not all travel insurance are created equal, and not all travel insurance with personal belongings coverage cover mobile phones. MoneySmart compares different insurance plans with cover on electronic devices such as mobile phones, tablets, and laptops for you.
Guide for finding travel Insurance with mobile cover
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Travel Insurance Coverage for Mobile Phones - Is Your Mobile Phone Covered?
Although mobile phones are essential, policyholders should be aware that not all travel insurance plans on the market cover damage or loss of your mobile phones during the trip.
Policyholders should take note that some insurance plans already include coverage for mobile phones in their standard offerings, with no additional premium required. On the other hand, some insurance policies may require policyholders to upgrade and pay an additional premium in order to get the extended protection for your mobile phone loss.
Compare travel insurance coverage for mobile phones and other personal belongings
| Mobile Phone | Laptop | Camera | Personal Belongings | |
|---|---|---|---|---|
| Generali Bravo Travel Protector - Classic Plan | HK$2,500 | / | / | HK$15,000 |
| BOCG Insurance Universal Voyage Travel Insurance - Silver Plan (Asia) | HK$1,000 | HK$2,500 | / | HK$6,000 |
| Allianz Travel - Gold Plan [for ages 0 to 54] | HK$5,000 | HK$5,000 | HK$3,000 | HK$25,000 |
| Dah Sing Insurance JourneySure Travel Insurance - Gold | / | / | HK$5,000 | HK$15,000 |
| QBE Single Trip Travel Insurance - Gold | / | HK$6,000 | / | HK$10,000 |
| STARR Companies TraveLead Extra Plan | / | HK$8,000 | / | HK$10,000 |
| MSIG iTravel Plus (Single Trip) Plan B | HK$2,000 | HK$15,000 | ||
| Avo Travel Protection (Upgraded) - Plus (Area 2) | HK$2,000 | HK$2,000 | HK$2,000 | HK$10,000 |
| Avo Travel Protection (Upgraded) - Lite (Area 2) | HK$2,000 | HK$2,000 | HK$2,000 | HK$20,000 |
| BOCG Insurance Universal Voyage Travel Insurance - Diamond Plan (Worldwide) | / | HK$5,000 | / | HK$18,000 |
| AIG TravelSafe Insurance Plan (Worldwide Platinum) | $3,000 | / | $3,000 | HK$25,000 |
| Generali Bravo Travel Protector - Premier Plan | HK$2,500 | / | / | HK$20,000 |
Best Travel Insurance for Mobile/Gadgets Protection
Generali Bravo Travel Protector - Classic Plan
- Medical Expenses
- HK$1,000,000
- Trip Cancellation
- HK$20,000
- Loss/Damage of Baggage
- HK$15,000
- PremiumPremium
HK$27930% Off - HK$195.30
New customers are eligible 5% Travel Expert discount offer for booking Macau Hotel if purchased any Generali’s GI policy via MoneySmart during the promotion period.
- Personal baggage coverage up to HK$15,000, covering personal money, loss of travel documents and provides up to HK$7,500 emergency cash
- Covers mobile phone loss/ damage with a maximum compensation amount capped at HK$2,500 per item
![Allianz Travel - Gold Plan [for ages 0 to 54]](https://photos-hk.cdn-moneysmart.com/travel_insurance/uploads/products/images/image_url_2022-11-29_Allianz_Travel_HK_NewHeader.png)
- Medical Expenses
- HK$2,000,000
- Travel Cancellation
- HK$40,000
- Loss/Damage of Baggage
- HK$25,000
- PremiumPremium
HK$326.30140% Off - HK$195.78
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BOCG Insurance Universal Voyage Travel Insurance - Silver Plan (Asia)
- Medical Expenses
- HK$500,000
- Trip Cancellation
- HK$30,000
- Loss/Damage of Baggage
- HK$6,000
- PremiumPremium
HK$20820% Off - HK$166.40
【MoneySmart Exclusive Offer】
Enjoy 20% discount on BOCG Travel Insurance via MoneySmart! And within the promotional period, who successfully apply for an BOCG Travel Insurance of premium HK$300 or above will be entitled to one complimentary HK$75 UBER e-Coupon.
- Up to HK$6,000 for loss of or damage to baggage and personal effects as a result of theft, robbery or accident, including sports equipments
- Insurers can also get extended cover to protect personal notebooks, with a maximum compensation amount capped at HK$2,500 per item
Dah Sing Insurance JourneySure Travel Insurance - Gold
- Medical Expenses
- HK$500,000
- Travel Cancellation
- HK$20,000
- Loss/Damage of Baggage
- HK$15,000
- PremiumPremium
HK$22525% Off - HK$168.75
【MoneySmart Exclusive Offer】
Enjoy 25% discount on Dah Sing Travel Insurance via MoneySmart using promo code "MS202401"! And for a limited time only, with a single purchase of Dah Sing Travel Insurance product of premium HK$400 or above (after discount) through MoneySmart, you will receive a gift of one HK$100 HKTV Mall Department Store e-Coupon!
- Up to HK$15,000 compensation for personal belongings, with each item capped at HK$2,000
- Covers cameras with a maximum compensation amount capped at HK$5,000 per item
AXA SmartTraveller Plus Privilege Plan
- Medical Expenses
- HK$1,000,000
- Trip Cancellation
- HK$25,000
- Loss/Damage of Baggage
- HK$15,000
- PremiumPremium
HK$51115% Off - HK$434.35
【MoneySmart Exclusive Offer】
Enjoy 15% discount on AXA Travel Insurance via MoneySmart! And within the promotional period, who successfully apply for an AXA Travel Insurance of premium HK$250 or above will be entitled to one complimentary HK$50 Park-N-Shop e-Coupon.
- Up to HK$8,000 compensation for baggage & personal effects, with each item capped at HK$1,500 (laptop computer max. coverage is HK$5,000)
- Covers personal money and travel documents
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Tips for preventing mobile phone loss and theft while traveling
⚠️Stay vigilant at all times
To avoid having your phone or other electronic devices stolen while traveling, it's important to stay vigilant at all times. If you notice that you're being followed, head to crowded places promptly and seek assistance. Avoid walking while holding your phone or camera. In public places like restaurants, refrain from placing your phone or camera in visible areas such as on the table to avoid becoming a target for pickpockets.
☁️Make use of cloud backups
Losing your phone doesn't necessarily mean losing precious photos or data, but the prerequisite is that you need to have pre-emptively used cloud storage to store your photos. For example, the Google Photos cloud storage platform supports both Android and iPhone platforms, as well as Windows and Mac computer platforms.
🔍Utilize Google/Apple's Find My iPhone/Find My Phone feature
If you lose your electronic device or suspect it might be stolen, make good use of Google/Apple's Find My iPhone/Find My Phone feature. This allows you to remotely lock your device using a password, protecting your personal data.
What to consider when choosing your travel insurance with gadget cover?
Not all travel insurance policies provide coverage for the loss or theft of electronic devices
It's important to note that not every travel insurance policy in the market includes coverage for the loss or theft of electronic devices. If you would like to have coverage for the loss or theft of electronic devices, you can purchase the selected travel insurance mentioned above.
Police report required for claims
Many travel insurance policies require policyholders to report the loss of electronic devices to the police before making a claim. Generally, policyholders need to file a report with the local authorities within 24 hours of the loss and provide the insurance company with a written report from the local police together with other relevant documents when making a claim.
Coverage for accidental damage during travel
Some travel insurance plans provide coverage if the insured person's phone breaks while traveling, for example, due to an accident like the STARR Travel Insurance.
Document required for making claims for damage
In the unfortunate event of damage to electronic devices such as laptops or phones during your trip, policyholders should take photos immediately, which can be used as evidence, showing the extent of the damage. Additionally, policyholders must request a repair quote from the original manufacturer's service center upon returning to Hong Kong, which will be required by the insurance company for reference in the claims process.
Frequently Asked Questions
If my phone is stolen during travel, what documents do I need to prepare to make a claim?
- In the event of your phone being stolen during your travel, you will need to prepare the following documents to file a travel insurance claim:
- A written report from the local police.
- Receipts for the lost or damaged electronic device, specifying purchase date, price, model, and category.
If I lose my phone/personal computer while traveling, how soon should I report to the local police for assistance?
- Generally, the insured person should report the loss of a phone/personal computer to the local police within 24 hours. When making a claim, you need to provide the insurance company with a written report from the local police and other relevant documents.
If my phone breaks during travel, is it covered by travel insurance?
- Yes, some travel insurance plans provide coverage for accidental damage to mobile phones or laptops during travel.