領取不到獎勵時因出現一些小錯誤令獎勵未能領取，也即時通知我給我建議如何修正，已完成領取禮物
A Complete Guide to Travel Insurance in Hong Kong
Your go-to travel insurance hub for Hongkongers—get expert guides, tips & comparisons on coverage for medical emergencies, trip cancellations & baggage protection. Compare top providers with MoneySmart for smart, covered travel.
Your go-to travel insurance hub for Hongkongers—get expert guides, tips & comparisons on coverage for medical emergencies, trip cancellations & baggage protection. Compare top providers with MoneySmart for smart, covered travel.
Read more Understanding How Travel Insurance Protects Your Journey:
Understanding the basics of travel insurance:
Travel Insurance 101
1. Travel Insurance 101
2. Common Travel Insurance Terms You Should Know
3. Travel Insurance FAQ
Travel Insurance 101
Travel insurance is an insurance product that provides protection during trips abroad covering unforeseen risks such as accidents, medical emergencies, trip delay or cancellation, and property loss. Travel Insurance coverage varies by providers, but the goal is to reduce financial stress during unexpected events.
背包客、家庭或團體旅客需求各異，應按需要選擇適合的旅保計劃：
了解不同旅客類別保障
無論短途旅行、深度遊、郵輪或冒險活動，選擇適當保障確保旅程無憂：
了解各種旅遊行程保障
立即比較行程取消或延誤、行李遺失或醫療保障範圍與賠償上限：
了解各種旅遊保險保障
各地區風險及醫療水平不一，選擇針對性的保障方可獲得全面保護：
了解不同旅遊目的地保障
Explore our blog about Travel Insurance
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Very efficient team, proper response Big appreciation for that
Customer service replies by emails in time and clearly
A big thank you to the Money Smart team! They have been so helpful in resolving my issues. Their service is fantastic and quick! Highly recommend them!
Fast
客戶服務員回覆快捷又有禮
Rewards work great - super quick feedback from customer support team when I had queries. The time taken to provide the rewards could be faster though
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moneysmart 員工努力幫我找回600港元的現金券，員工非常友好和樂於助人！
Excellent customer service - their staff Luna was extremely helpful in resolving the issue.
非常盡責，申請禮物後收唔到e-coupon, email詢問後好快補返禮物
MoneySmart的服務有禮、熱誠又迅速， 很有責任感 ，感覺非常滿意!!!
excellent experience and they could give me a prompt reply. Very appreciate their special help. I have confidence to use their service again and definitely recommend to my friends.
太棒
good service efficient to solve problems
用心服務，在客人有疑問時能快速回覆(Customer Service Executive Elsa)，給予協助，值得推介。
首先，要大讚MoneySmart一次都沒有走過數（相比MoneyHXXX）。我通過MoneySmart邀請碼申請過多個股票戶口。我以個人人格擔保MoneySmart是一間legit的獎賞公司，而不是一間詐騙公司。 但系，MoneySmart最大的敗筆，就系其電子eCoupon系統供應商Wogi。MoneySmart提供的超市禮券，有效期均為兩年以上。但Wogi eCoupon系統的獎賞連結有效期，只有數個月。並且，Wogi系統內，只能兌換50或100元面值的eCoupon。因此，你必須儘快從Wogi系統內，兌換eCoupon，複製其eCoupon連結URL，並記錄於自己手機或電腦的文檔內。 Wogi的兌換系統設計，會造成什麼使用上的麻煩以及安全隱患？這意味著如果你從MoneySmart攞到2000元的超市禮券，你需要由Wogi網站兌換並複製出40張eCoupon的URL，並且保存於不安全的本地文檔，或者WhatsApp信息裡面。你需要自己紀錄邊張eCoupon已經使用，邊張eCoupon就來過期。如果你同時申請3個戶口，攞到6000蚊，咁你就需要管理 40 * 3 = 120張eCoupon的網址連結。會令你的eCoupon記錄管理變得極度混亂。 第二個更為危險之處，在於Wogi的獎賞連結，如被人盜取，那麼任何得知你Wogi連結的壞人，都可以隨意使用你的eCoupon。 因此，MoneySmart作為一件獎賞公司，我認為是值得信任以及依賴的。但系由於其eCoupon供應商Wogi的用戶體驗不足，我日後無論個人，或者建議親戚朋友，都只會使用其他肯派發實體禮券的獎賞公司（如X斯）。 最後，我也鼓勵MoneySmart可以與其供應商Wogi，一同商討對策，提升客戶用戶體驗。希望你地未來可以做得更好。
Thank you for your help and support, l will keep in touch with money smart. This is so good!
Beth (Customer Service Executive) is excellent. She showed her professionalism throughout her assistance that she provided. She is kind and thoughtful, by which my enquiry and request were answered and fulfilled nicely. Thank you so much Beth!
有回覆問題及處理.
Frequently Asked Questions
What's the difference between single-trip and annual travel insurance?
<p>Single-trip travel insurance covers one journey, with premiums calculated based on trip duration and destination, while annual travel insurance covers unlimited trips within the year, saving the hassle of purchasing insurance before each departure, and is more cost-effective in the long run, making it particularly suitable for frequent travelers or those on business trips.</p>
When is the best time to purchase travel insurance?
<p>Travel insurance should be purchased as soon as your itinerary is confirmed, preferably immediately after booking your flights and hotel, to ensure you're covered in case of unexpected situations.</p>
Can I buy travel insurance after departure?
<p>No, insurers require you to purchase travel insurance before leaving Hong Kong for complete protection throughout your journey, as the coverage period usually begins from the moment you leave your local residence and ends when you return. Your travel insurance application will be rejected if you apply after departure.</p>
Does travel insurance cover flight delays due to typhoons?
<p>Yes, most travel insurance plans provide coverage for flight delays or cancellations caused by adverse weather conditions, such as typhoons, but the specific coverage depends on the policy terms. To make a claim, make sure to keep all delay proof issued by the airline and save receipts for any extra expenses.</p>
What are exclusions in travel insurance?
<p>Exclusions refer to situations or events that the insurance plan will not cover for, typically listed in the policy terms, common examples include terrorist attacks, war, or pre-existing medical conditions.</p><p>Always read your policy terms carefully to understand the exclusions, or contact the insurance company for clarification before purchasing travel insurance.</p>
How to find the best travel insurance deals?
<p>For frequent travelers, annual travel insurance is a considerable option as it is more cost-effective and convenient than purchasing single-trip insurance before each departure.</p><p>Before purchasing travel insurance, always compare prices and coverage ranges of different insurance plans through comparison platforms like <a href="https://www.moneysmart.hk/en/travel-insurance" target="_blank">MoneySmart</a> to help you find the best deals and value for your money.</p>
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