Hong Leong Travel Insurance Hong Kong 2026: 55% off Discount (with Promo Code HLIAMS20)
MoneySmart helps you compare Hong Leong Travel Insurance plans’ premium and coverage. Hong Leong Travel Insurance protects you against flight delay, loss of travel documents and medical expenses etc.
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We found 2 Hong Leong Insurance Insurance Plans for you!
[HLIA Exclusive Offer]
Enjoy a 55% off on Diamond and Gold plan, plus an extra HK$20 off your Hong Leong Travel (Single) Insurance premium with promo code "HLIAMS20"!
Valid till 31 Aug 2026
[HLIA Exclusive Offer]
Enjoy a 55% off on Diamond and Gold plan, plus an extra HK$20 off your Hong Leong Travel (Single) Insurance premium with promo code "HLIAMS20"!
Valid till 31 Aug 2026
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Hong Leong Travel Insurance Recommendation: Comparison of Different Plan Levels - Diamond, Gold, and Silver Plans
If you are considering travel insurance for your upcoming journey, Hong Leong Insurance stands out as an established and reputable provider in Hong Kong, recognized for its combination of reliability and value. In this guide, we provide an in-depth analysis of its coverage, key benefits, and the distinct features of each plan, comparing Diamond, Gold, and Silver plans to help you choose the best fit for your trip.
About Hong Leong Insurance
Hong Leong Insurance strives to be a premier insurance institution for both individual and business needs. With a customer-centric approach, it delivers tailored protection across various sectors - including Travel, Home, Domestic Helper, Home Decoration, Accident, and Pet insurance. Leveraging deep industry expertise and market agility, Hong Leong Insurance provides reliable protection and efficient services, serving as a steadfast partner in every client’s future planning.
Hong Leong Travel Insurance: Diamond, Gold & Silver Plans Comparison Table
Hong Leong offers three tiers of travel insurance tailored to different destinations and coverage: Diamond, Gold, and Silver.
Coverage | Hong Leong Travel Insurance - Diamond Plan | Hong Leong Travel Insurance - Gold Plan | Hong Leong Travel Insurance - Silver Plan |
Medical & Other Expenses | HK$1,000,000 | HK$600,000 | HK$300,000 |
Follow-up Outpatient (within 3 months) | HK$75,000 | HK$50,000 | HK$30,000 |
Personal Accident (incl. major burns) | HK$800,000 | HK$600,000 | HK$300,000 |
Accidental Death | HK$50,000 | HK$35,000 | HK$20,000 |
Baggage & Personal Items | HK$15,000 | HK$10,000 | HK$5,000 |
Max per Item/Set | HK$3,000 | HK$2,000 | HK$1,000 |
Laptop Mobile/Tablet (per item) | HK$5,000 HK$2,000 | HK$3,000 HK$1,000 | Not Covered |
Baggage Delay (10+ hrs, overseas) | HK$2,000 | HK$1,500 | HK$1,000 |
Personal Money | HK$3,000 | HK$2,000 | HK$1,000 |
Lost Documents | HK$7,500 | HK$5,000 | HK$2,000 |
Personal Liability | HK$3,500,000 | HK$2,500,000 | HK$2,000,000 |
Lost Deposits/Trip Cancellation Cancellation of Trip for Any Unforeseen Reason | HK$50,000 HK$25,000 | HK$30,000 Not Covered | HK$3,000 Not Covered |
Trip Curtailment | HK$50,000 | HK$30,000 | HK$3,000 |
Trip Delay (HK$250/6hrs) | HK$2,500 | HK$1,500 | HK$1,000 |
Golf "Hole-in-One" | HK$5,000 | HK$3,000 | HK$2,000 |
Rental Vehicle Excess | HK$10,000 | HK$6,000 | HK$3,000 |
Hong Leong Travel Insurance: Specialized Cruise Insurance Coverage
In addition to standard protection, Hong Leong Travel Insurance offers optional cruise holiday benefits. This includes coverage for canceled shore excursions due to weather or other reasons (up to HK$50,000 for Diamond plan) and satellite phone fee reimbursements - ideal for luxury cruise travelers.
Key Features & Coverage: Why Consider Hong Leong Travel Insurance?
Medical and Follow-up Care
The medical coverage is extensive, including expenses incurred abroad and follow-up care for up to 3 months upon returning to Hong Kong.
- Diverse Consultations: Includes Chinese herbalists, bone-setting, physiotherapy, and acupuncture.
- Coverage Caps: The Diamond plan offers up to HK$1,000,000 in medical expenses.
Baggage & Personal Effects (Including Phones & Laptops)
A major highlight in any Hong Leong travel insurance review is the inclusion of electronic devices.
- Gadget Protection: Diamond and Gold plans cover mobile phones, tablets, and laptops.
- High Limits: The Diamond plan allows for up to HK$5,000 sub-limit per laptop/phone/tablet, which is among the highest in the city.
Trip Cancellation & Curtailment (Including "Any Unforeseen Reason")
Hong Leong stands out for its flexibility regarding travel changes, particularly within the Diamond Plan.
- Flexible Enrollment & Cancellation Coverage: Under the Diamond Plan, you can be reimbursed up to HK$25,000 for non-refundable expenses – including flights, hotel stays, and transport – for any unforeseen reason. Simply insure within 35 days of your initial trip payment to enjoy this protection.
Travel Alerts: Extensive "Black” Alert coverage across all plan tiers, plus 24-Hour Global Assistance
Insured persons can access 24-hour travel and medical assistance services anywhere in the world.
- Support Services: Includes help with lost travel documents/luggage, flight rearrangements, emergency medical evacuation, and hospital admission arrangements.
- Referrals: Access to legal, consular, and medical referrals.
Rental Vehicle Excess and Leisure Sport coverage
For travelers who love self-driving or sports, Hong Leong Travel Insurance provides extra peace of mind.
- Rental Vehicle Excess Cover: In the event of an accident while renting a car overseas, the insurance covers the excess stated in the rental agreement. The Diamond Plan offers coverage of HK$10,000, while the Gold Plan covers HK$6,000.
- Amateur Sports: Automatically covers popular recreational activities such as skiing, diving, mountaineering, and water skiing.
Important Notes for Purchasing Hong Leong Travel Insurance
Eligibility Age
The Diamond Plan is available to travelers up to age 80. If you are looking for coverage for older travelers, the Gold and Silver Plans accommodate adults up to age 90. Regardless of the plan chosen, seniors can enjoy 100% full coverage.
For families traveling with minors, any child aged 11 or below must be accompanied by an adult insured person and be covered under the same insurance policy. Additionally, family-friendly discounts are available for spouses and children.
Period of Insurance
To be eligible for coverage, your journey must commence within 90 days from the date the insurance is issued. The maximum duration for a single trip is quite generous, allowing for a stay of up to 182 days.
It is essential to complete your application before leaving Hong Kong. Once your policy number is issued, premiums are generally non-refundable unless an "Outbound Travel Alert" is issued. If you find you need more time abroad, any application to extend the "Insurance Period" must be completed on or before the original expiry date.
Outbound Travel Alert (OTA) Coverage
Hong Leong travel insurance provides extensive protection for trip delays and curtailments, specifically including coverage related to the "Black Travel Alert". If an alert is issued, you can claim for loss of deposits or trip cancellation up to HK$50,000 under the Diamond Plan.
This protection also extends to specialized travel, such as optional cruise holidays. Under this benefit, you can be reimbursed for the cancellation of shore excursions or other interruptions caused by travel alerts or unforeseen reasons.
Major Exclusions of Hong Leong Travel Insurance
Common exclusions for Hong Leong Insurance include:
- Pre-existing medical conditions or known bad weather prior to insuring.
- Professional sports or competitions.
- Accidents caused by alcohol or drug influence.
- Items left unattended in public.
Hong Leong Travel Insurance Claims Procedure
If an accident occurs, follow these steps to use your Hong Leong travel insurance claim service:
- Report Immediately: For theft or loss, report to local police within 24 hours and obtain a report.
- Keep Receipts: Retain all original medical receipts and diagnostic reports.
- Submit Claims: Upon return, contact Hong Leong Insurance or use their mobile app and official website to upload the boarding pass and relevant supporting documents to complete the process.
Hong Leong Travel Insurance Promo Code
Apply through Money Smart to enjoy exclusive gifts. Use the Hong Leong travel insurance promo code "HLIAMS20" for an additional HK$20 off your premium. Valid until 30 June 2026.
Hong Leong Travel Insurance FAQ
What is the age limit for Hong Leong Travel Insurance?
- The Diamond plan covers adults up to age 80, while Gold and Silver plans accept travelers up to age 90.
Can I buy insurance after I have already departed?
- No. All policies must be purchased before you leave Hong Kong.
How much can I claim for a lost mobile phone?
- The Diamond plan pays up to HK$2,000 per phone/tablet (limit one), and Gold pays up to HK$1,000. Silver does not cover mobile devices.
Where can I find the Hong Leong Travel Insurance claim form?
- You can download it from the official website at https://www.hl-insurance.com/hlia/web/en/claim or call their hotline at 2961 2266.
Am I covered if a "Black Travel Alert" is issued?
- Yes. All tiers include coverage for trip cancellation or curtailment due to a "Black Travel Alert".
What does Rental Vehicle Excess cover?
- If you have an accident in a rental car, this benefit covers the "excess" (the amount you have to pay out of pocket before the rental company's insurance kicks in), up to HK$10,000 for Diamond.
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