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
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 | Mobile PhoneHK$2,500 | Laptop/ | Camera/ | Personal BelongingsHK$15,000 |
BOCG Insurance Universal Voyage Travel Insurance - Silver Plan (Asia) | Mobile PhoneHK$1,000 | LaptopHK$2,500 | Camera/ | Personal BelongingsHK$6,000 |
Allianz Travel - Gold Plan [for ages 0 to 54] | Mobile PhoneHK$5,000 | LaptopHK$5,000 | CameraHK$3,000 | Personal BelongingsHK$25,000 |
Dah Sing Insurance JourneySure Travel Insurance - Gold | Mobile Phone/ | Laptop/ | CameraHK$5,000 | Personal BelongingsHK$15,000 |
QBE Single Trip Travel Insurance - Gold | Mobile Phone/ | LaptopHK$6,000 | Camera/ | Personal BelongingsHK$10,000 |
STARR Companies TraveLead Extra Plan | Mobile Phone/ | LaptopHK$8,000 | Camera/ | Personal BelongingsHK$10,000 |
MSIG iTravel Plus (Single Trip) Plan B | Mobile PhoneHK$2,000 | Camera | Personal BelongingsHK$15,000 | |
Avo Travel Protection (Upgraded) - Plus (Area 2) | Mobile PhoneHK$2,000 | LaptopHK$2,000 | CameraHK$2,000 | Personal BelongingsHK$10,000 |
Avo Travel Protection (Upgraded) - Lite (Area 2) | Mobile PhoneHK$2,000 | LaptopHK$2,000 | CameraHK$2,000 | Personal BelongingsHK$20,000 |
BOCG Insurance Universal Voyage Travel Insurance - Diamond Plan (Worldwide) | Mobile Phone/ | LaptopHK$5,000 | Camera/ | Personal BelongingsHK$18,000 |
AIG TravelSafe Insurance Plan (Worldwide Platinum) | Mobile Phone$3,000 | Laptop/ | Camera$3,000 | Personal BelongingsHK$25,000 |
Generali Bravo Travel Protector - Premier Plan | Mobile PhoneHK$2,500 | Laptop/ | Camera/ | Personal BelongingsHK$20,000 |
Tips for preventing mobile phone loss and theft while traveling
⚠️Stay vigilant at all times
☁️Make use of cloud backups
🔍Utilize Google/Apple's Find My iPhone/Find My Phone feature
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
Police report required for claims
Coverage for accidental damage during travel
Document required for making claims for damage
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.