Get the Best Travel Insurance in Hong Kong

Updated November 2019

Enjoy stress-free holidays with Travel Insurance. Travel insurance covers you against lost baggage, medical emergencies, flight delays and more. Compare single-trip or annual travel insurance prices on MoneySmart and get a great plan at a great price.

Edit Trip Details

Trip Details

Price per adult
HK$141

$500,000

Medical Coverage (Overseas)

$0

Trip Cancellation

$0

Loss/Damage of Baggage

HK$141

Price per adult
  • Get up to HK$600 HKTaxi Electronic Cash Coupon for policy over designated amount with Promo Code "HKTAXI"
Price per adultHK$248 40% Off
HK$149

$100,000

Medical Coverage (Overseas)

$3,500

Trip Cancellation

$5,000

Loss/Damage of Baggage

HK$149

Price per adult
HK$248 40% Off
  • Input「Asiamiles」membership no. to earn miles ($3 =1 mile)
Price per adultHK$326 45% Off
HK$179

$500,000

Medical Coverage (Overseas)

$20,000

Trip Cancellation

$10,000

Loss/Damage of Baggage

HK$179

Price per adult
HK$326 45% Off
  • Single Trip Gold Plan Gift: If choose Japan as destination, HK$100 Supermarket Coupon per policy for policy with 2 or 3 insured persons. Or HK$200 Supermarket Coupon per policy for policy with 4 or above insured persons
Price per adultHK$336 45% Off
HK$185

$500,000

Medical Coverage (Overseas)

$25,000

Trip Cancellation

$15,000

Loss/Damage of Baggage

HK$185

Price per adult
HK$336 45% Off
    Price per adult
    HK$190

    $1,000,000

    Medical Coverage (Overseas)

    $25,000

    Trip Cancellation

    $10,000

    Loss/Damage of Baggage

    HK$190

    Price per adult
    • Get up to HK$600 HKTaxi Electronic Cash Coupon for policy over designated amount with Promo Code "HKTAXI"
    Price per adult
    HK$201

    $500,000

    Medical Coverage (Overseas)

    $25,000

    Trip Cancellation

    $10,000

    Loss/Damage of Baggage

    HK$201

    Price per adult
    • AXA SmartTraveller Insurance Policy is provided by AXA General Insurance Hong Kong Limited
    Price per adultHK$418 45% Off
    HK$230

    $800,000

    Medical Coverage (Overseas)

    $30,000

    Trip Cancellation

    $15,000

    Loss/Damage of Baggage

    HK$230

    Price per adult
    HK$418 45% Off
    • For Gold Plan successful applications, if choose Japan as destination with 2 or 3 insured person, each policy can enjoy HK$100 supermarket coupon; with 4 or above insured person, each policy can enjoy HK$200 supermarket
    Price per adultHK$450 45% Off
    HK$248

    $1,000,000

    Medical Coverage (Overseas)

    $50,000

    Trip Cancellation

    $20,000

    Loss/Damage of Baggage

    HK$248

    Price per adult
    HK$450 45% Off
      Price per adult
      HK$270

      $1,500,000

      Medical Coverage (Overseas)

      $50,000

      Trip Cancellation

      $20,000

      Loss/Damage of Baggage

      HK$270

      Price per adult
      • Get up to HK$600 HKTaxi Electronic Cash Coupon for policy over designated amount with Promo Code "HKTAXI"

      Disclaimer: At MoneySmart.hk, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first. MoneySmart HK Financial Ltd is remunerated for its services by the receipt of commission paid by Insurers. Your agreement to proceed with this insurance transaction shall constitute your consent to the receipt of commission by the company.

      Travel Insurance Recommendations 2019

      Which travel insurance suits me the most?

      There is no such thing as the best insurance policy but there is a policy that suits you the most. Get it now!

      4 things to consider before getting the right travel insurance policy

      Single trip/ Annual multi-trip

      If you are not a frequent traveller, single trip insurance is more suitable for you. If you take multiple holidays in a year, it would be wise to go for an annual multi-trip policy, which provides cover for a full year at a discounted rate without the hassle of re-purchasing insurance every time.

      Destinations

      You are only covered for the countries listed in your policy. So it is important to get the right policy that is designed to provide cover for the places you will be travelling. There are in general three types of cover: Global/ Asia/ China.

      Individual/ Family/ Group

      If you have travel companions, it is financially wise to get family/ group insurance instead of buying it separately. Some group insurance applies to independent travel group with at least 3-5 people.

      Coverage

      If you want to be covered for driving or taking part in hazardous amateur sports & activities abroad, you need to pay for extra in addition to basic coverage.

      Everything you need to know about travel insurance

      Tip 1

      Excess

      Your travel insurance policy may come with an excess amount, which is the specified amount deducted from any claims that are paid out.

      Tip 2

      Making a claim

      If a situation arises during your journey, you are required to contact the relevant authority/ party- the police, airline, travel agency right away to report your situation. Insurers require evidence to support your claim. So please remember to keep the true copy of all the supporting evidence.

      Tip 3

      Lost phone cover

      Many travel plans exclude phones from their coverage. So it is important to read the coverage before getting the travel insurance.

      Lost phone cover

      Not all travel insurance company offers mobile phone protection in their travel insurance plans but AIG, Allied World, Starr Companies, FWD and Allianz Travel provide relevant coverage. Some of these plans provide lost phone cover only, while others only cover for one mobile phone device during the trip. So it is important to read in detail before purchasing. In case of lost phone, you are required to report to the police station within 24 hours at the destination after the incident, and provide the receipt of the lost phone during the claim process. If your phone is broken, you are required to take a picture and obtain a quotation for phone repair service when you are back to Hong Kong.

      How should I get insured?

      Travel insurance is very common in Hong Kong and most people have their preferred way to get insured before they fly out. One of the most traditional ways to buy travel insurance is via ATM machine or via banks directly. Another traditional channel is to buy directly from the insurance company or through brokers. Some travel suppliers such as travel agencies, airlines or wifi egg providers may provide such add-on service. Airline & hotel comparison websites will also provide complimentary or discounted travel insurance when you shop with them. Although the travel insurance options are rather limited, this kind of bundle deal can both save you time and cost. To compare all travel plans at a glance, you can get travel insurance via insurance comparison site such as MoneySmart. Insurance comparison site can give you a single view of all available travel insurance from different providers. What’s better, you may even get additional discount or offers when purchasing insurance from the comparison site.

      How to compare travel insurance plans?

      There are hundreds of travel insurance plans in the market and sometimes it can be overwhelming to choose the one you need. One may be tempted to go for the cheapest plan without considering the cover, which is not ideal. It is important to understand the potential risks for your upcoming trip such as medical treatment, flight delay, extreme sport coverage, personal items and baggage lost, etc. Once you have got a clear picture of what is needed, travel insurance comparison site will usually do the rest by giving you a glance of all available insurance plans based on your requirement. Before you make your final decision, you can also consider the reputation of the travel insurance provider such as their customer service or the claim experience.

      Frequently Asked Questions

      Can I get travel insurance during my journey instead of prior to my journey?

      No. You need to get your travel insurance before you travel. If you get it while travelling, you may not be able to make a claim. Moreover, if you travel by plane without any cover, you will not get any compensation in the event of flight delays. Therefore, it is best to get your travel insurance as soon as you have booked your holidays.

      Which travel insurance policy is the cheapest?

      You can save the cost of buying travel insurance in a number of ways. For example, you can consider buying an annual multi-trip policy to get your multiple trips covered at a discounted rate. To save your time and effort, MoneySmart has reviewed the policy in the market for you.

      Which travel insurance company is the best?

      There is no such thing as the best travel insurance company but there is one that suits you the most. You need to get a cover that suits your travel style. For example, if you want to be covered for driving or participating in hazardous amateur sports & activities while travelling, you need to pay for extra in addition to basic coverage. To help you get the right plan, MoneySmart has compared the policy in the market for you to make an informed decision.

      Should I buy travel insurance if I study abroad or go on working holiday?

      No. When comparing with working holiday insurance, the coverage provided by travel insurance is insufficient for people who are studying abroad or going on working holiday. As you will stay longer in a foreign country when studying abroad or going for a working holiday, your need for medical coverage is much higher. Also, some travel insurances do not cover any kind of manual or labour work during the period of insurance. Therefore, medical expenses at workplace will not be covered.

      What extra protection can I receive if a travel alert is issued for the planned destination?

      If you purchased the travel insurance prior to the issuance of travel alert, your travel insurance company will compensate you for the loss incurred by trip cancellation or forced termination of your trip.