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Hong Leong Travel Insurance Hong Kong 2026: 50% off Discount (with Promo Code HLIAMS20)

We found 3 Hong Leong Insurance Insurance Plans for you!

Hong Leong Travel Insurance [Upgraded] - Plus Plan image
HK$109.50
HK$21950% OFF
Premium
Hong Leong Travel Insurance [Upgraded] - Plus Plan
HK$1,000,000
Medical Expenses
HK$30,000
Travel Cancellation
HK$1,000,000
Personal Accident

 [HLIA Exclusive Offer]
Enjoy a 50% off, plus an extra HK$20 off your Hong Leong Travel (Single) Insurance premium with promo code "HLIAMS20"! 

Valid till 31 Dec 2026

APPLY NOW for Hong Leong Travel Insurance [Upgraded] - Plus Plan
Promo Code： "HLIAMS20"
Hong Leong Travel Insurance [Upgraded] - Ultra Plan image
HK$187.50
HK$37550% OFF
Premium
Hong Leong Travel Insurance [Upgraded] - Ultra Plan
HK$1,500,000
Medical Expenses
HK$50,000
Travel Cancellation
HK$1,500,000
Personal Accident

 [HLIA Exclusive Offer]
Enjoy a 50% off, plus an extra HK$20 off your Hong Leong Travel (Single) Insurance premium with promo code "HLIAMS20"! 

Valid till 31 Dec 2026

APPLY NOW for Hong Leong Travel Insurance [Upgraded] - Ultra Plan
Promo Code： "HLIAMS20"
Hong Leong Travel Insurance [Upgraded] - Core Plan image
HK$67
HK$13450% OFF
Premium
Hong Leong Travel Insurance [Upgraded] - Core Plan
HK$300,000
Medical Expenses
HK$3,000
Travel Cancellation
HK$300,000
Personal Accident

 [HLIA Exclusive Offer]
Enjoy a 50% off, plus an extra HK$20 off your Hong Leong Travel (Single) Insurance premium with promo code "HLIAMS20"! 

Valid till 31 Dec 2026

APPLY NOW for Hong Leong Travel Insurance [Upgraded] - Core Plan
Promo Code： "HLIAMS20"

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Hong Leong Travel Insurance Recommendation: Comparison of Different Plan Levels - Ultra, Plus, and Core 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 Ultra, Plus, and Core 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: Ultra, Plus, and Core Plans Comparison Table

Hong Leong Travel Insurance offers three tiers, catering to different travel destinations and coverage scopes. Below is a comparison table of the main coverage limits across the three plans:

Hong Leong Travel Insurance Hong Leong Travel Insurance Ultra Plan Hong Leong Travel Insurance Plus Plan Hong Leong Travel Insurance Core Plan
Overseas Medical Expenses(Insured Person aged 75 or below) HK$1,500,000 HK$1,000,000 HK$300,000
Overseas Medical Expenses(Insured Person aged 76 to 90) HK$750,000 HK$500,000 HK$150,000
Post-trip Follow-up Treatment in Hong Kong(within 90 days) HK$150,000 HK$100,000 HK$30,000
Accidental Death and Total Disablement Benefit (including disappearance)(Insured Person aged 18 to 75) HK$1,500,000 HK$1,000,000 HK$300,000
Accidental Death and Total Disablement Benefit (including disappearance)(Insured Person aged 76 to 90) HK$750,000 HK$500,000 HK$150,000
Accidental Death and Total Disablement Benefit (including disappearance)(Insured Person aged below 18) HK$375,000 HK$250,000 HK$75,000
Baggage and Personal Effects HK$20,000 HK$10,000 HK$5,000
Baggage and Personal Effects(Sub-limit: Mobile Phone or Tablet Computer, one per journey) HK$3,000 HK$2,000 Not Applicable
Baggage and Personal Effects(Sub-limit: Laptop Computer, one per journey) HK$5,000 HK$3,000 Not Applicable
Travel Document and Emergency Travel(Replacement of Travel Document or Ticket) HK$8,000 HK$4,000 HK$2,000
Personal Money HK$3,000 HK$2,000 HK$1,000
Journey Cancellation Protection HK$50,000 HK$30,000 HK$3,000
Journey Curtailment Protection HK$50,000 HK$30,000 HK$3,000
Travel Delay Cash Allowance HK$3,000 HK$2,000 HK$1,000
Travel Delay Cash Allowance(Every 5 consecutive hours of delay, for Common Carrier other than High-Speed Rail Train in Mainland China) HK$300 HK$250 HK$200
Delayed Baggage Cash Allowance(Minimum of 5 consecutive hours of delay while outside Hong Kong) HK$1,200 HK$600 HK$250
Rental Vehicle Excess HK$12,000 HK$6,000 HK$3,000
Hole-In-One Celebration Benefit HK$6,000 HK$3,000 HK$1,000

Hong Leong Travel Insurance: 8 Exclusive Add‑On Benefits

Beyond standard travel protection, the upgraded Hong Leong Single‑Trip Travel Insurance – Ultra Plan offers the city’s widest choice with 8 tailor‑made add‑on benefits. From overseas events, amateur sports and sports equipment, to destination wedding coverage, car rental, short‑term overseas study — even musical instruments and pet care support are included. Whatever your journey, enjoy every moment with total peace of mind.

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 Ultra plan offers up to HK$1,500,000 in medical expenses, with post‑trip medical follow‑up up to HK$100,000.

    • Baggage & Personal Effects (Including Phones & Laptops)

    A major highlight in any Hong Leong travel insurance review is the inclusion of electronic devices.
  • Gadget Protection Both the Ultra and Plus plans cover mobile phones, tablets, and laptops.
  • Benefit Limits: Under the Ultra Plan, baggage and personal belongings are insured up to HK$20,000, with a sub‑limit of HK$5,000 per mobile phone, tablet, or laptop — among the highest levels of protection available.

    • Trip Cancellation and Curtailment (Including "Any Unforeseen Reason")

    Hong Leong stands out for its flexibility regarding travel changes, particularly within the Ultra Plan.
  • Flexible Enrollment and Cancellation Coverage: Under the Ultra 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. Ultra plan offers reimbursement up to HK$12,000, while Plus Plan covers up to HK$6,000. Customers can also add Enhanced Rental Vehicle Protection to further enhance their self‑drive coverage — ensuring peace of mind on every journey.
  • Amateur Sports and Equipment Coverage: Enjoy protection for over 40 popular adventure activities — from overseas marathons and zip‑lining to scuba diving and more, all worry free.

    • Important Notes for Purchasing Hong Leong Travel Insurance

    1. Eligibility Age

    Age Limit (at last birthday) - Adult: 18 to 90 years old; Children aged under 18 years old.

    For families traveling with minors, any child aged 5 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.

    2. Period of Insurance

    To be eligible for coverage, your journey must commence within 365 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.

    3. 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 Ultra 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.
    • Background image

    Hong Leong Travel Insurance Claims Procedure

    If an accident occurs, follow these steps to use your Hong Leong travel insurance claim service:

    1. Report Immediately

    For theft or loss, report to local police within 24 hours and obtain a report.

    2. Keep Receipts

    Retain all original medical receipts and diagnostic reports.

    3. 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 31 December 2026.

    Hong Leong Travel Insurance FAQ

    What is the age limit for Hong Leong Travel Insurance?

    Age Limit (at last birthday) - Adult: 18 to 90 years old; Children aged under 18 years old.

    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 Ultra plan pays up to HK$3,000 per phone/tablet (limit one), and Plus plan pays up to HK$2,000. Core plan 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$12,000 for Ultra.

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