Get the Best Travel Insurance in Hong Kong

Updated February 2020

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.

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Trip Details

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
  • Limited Time Offer:Get up to HK$600 HKTaxi Electronic Cash Coupon for policy over designated amount with Promo Code "HKTAXI"
Price per adultHK$190 45% Off
HK$105

$500,000

Medical Coverage (Overseas)

$10,000

Trip Cancellation

$20,000

Loss/Damage of Baggage

HK$105

Price per adult
HK$190 45% Off
MoneySmart Exclusive: 45% Off Promo Code: moneysmart
  • 20% off Pocket Wifi rental service
  • The free SIM card comes with 1GB of data
  • Discount Coupons (Include Shopping and Rental Vehicle)
Price per adultHK$173 25% Off
HK$130

$300,000

Medical Coverage (Overseas)

$10,000

Trip Cancellation

$5,000

Loss/Damage of Baggage

HK$130

Price per adult
HK$173 25% Off
  • Exclusive for online customers: purchased selected plan to 25% discount off
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 35% Off
HK$161

$100,000

Medical Coverage (Overseas)

$3,500

Trip Cancellation

$5,000

Loss/Damage of Baggage

HK$161

Price per adult
HK$248 35% Off
MoneySmart Exclusive: Get extra discount with Promo Codes:"MSMART" or Input「Asiamiles」membership no. to earn miles ($3 =1 mile)
    Price per adultHK$296 45% Off
    HK$163

    $1,000,000

    Medical Coverage (Overseas)

    $30,000

    Trip Cancellation

    $20,000

    Loss/Damage of Baggage

    HK$163

    Price per adult
    HK$296 45% Off
    MoneySmart Exclusive: 45% Off Promo Code: moneysmart
    • 20% off WiFiBB Pocket Wifi Rental Service
    • The free SIM card comes with 1GB of data
    • Shopping and Rental Vehicle Discount Coupons
    Price per adult
    HK$172

    $1,200,000

    Medical Coverage (Overseas)

    $50,000

    Trip Cancellation

    $20,000

    Loss/Damage of Baggage

    HK$172

    Price per adult
      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
      • For Gold Plan successful applications to Japan, Taiwan or Korea, 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 adult
      HK$201

      $500,000

      Medical Coverage (Overseas)

      $25,000

      Trip Cancellation

      $10,000

      Loss/Damage of Baggage

      HK$201

      Price per adult
        Price per adultHK$301 25% Off
        HK$226

        $600,000

        Medical Coverage (Overseas)

        $20,000

        Trip Cancellation

        $10,000

        Loss/Damage of Baggage

        HK$226

        Price per adult
        HK$301 25% Off
        • Exclusive for online customers: purchased selected plan to enjoy 25% discount off

        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 2020

        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 providers offer mobile phone protection in their travel insurance plans but FWD, Starr Companies, Zurich, Bluecross, AXA etc. 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 a 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.

        Travel Insurance Promotions 2020

        Travel insurance providers often provide time-limited discount promotions, for example, you can get an HK$88 HKTaxi electronic cash coupon for STARR Companies single trip policy over HK$200 with designated promo code, and DBS TravellerShield applicants fulfilling certain requirements can enjoy up to HK$200 supermarket coupons.

        MoneySmart also partners with companies to provide exclusive discounts to our readers, for example, besides getting 20% off pocket WiFi rental service and shopping and vehicle rental coupons from Sompo TravelJoy Insurance application, you can also use MoneySmart’s exclusive 45% off promo code to get an extra discount.

        Travel Insurance Frequently Asked Questions

        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 a 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 the 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.

        When should I buy travel insurance?

        To get maximum coverage, you should buy travel insurance as soon as your air tickets and hotels are confirmed. Some travel insurance coverage including trip cancellation, outbound travel alert (OTA) etc, starts right after your purchase. If your flights are cancelled due to natural disasters like typhoons or earthquakes, you may make a claim with the relevant documents. However, if you buy the travel insurance after the alert or announcement issued, you will not be able to file the claim since it’s already a known situation.

        Are there any exclusions in the coverage in travel insurance?

        Certain circumstances or conditions are listed as exclusions in the travel insurance policy. Normally it includes war, high-risk activities, pregnancy, sexually transmissible diseases, sickness prior to the journey.

        Why should I compare Travel Insurance through MoneySmart?

        Comparing travel insurance from different websites can be exhausting and complicated, which is why MoneySmart’s free compare comparison tool can come in handy. MoneySmart allows you to have a single view of all available travel insurance from different providers. What’s better, you may even get additional discounts or offers when purchasing insurance from MoneySmart.