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Ping An Leisure Plan: Overseas medical benefits up to HK$1,200,000. Provide cover for hazardous sports & activities and rental vehicle excess protection benefits.
It is worth spending time understanding the coverage of travel insurance policies before getting insured.
Car excess is the amount deducted from any claims that are paid out. In general, the excess cover is between HK$3,500- HK$5,000 but Ping An Travel Insurance offers up to HK$10,000.
Ping An Travel Insurance provides covers for non-professional hazardous sports including skiing, diving, bungee jump, hiking and watersports.
Travel cancellation only becomes effective 30 days after you have purchased your insurance. Therefore, it would be wise to get your travel insurance as soon as you have booked your hotel and air tickets. Your trip will be covered in the event that something goes wrong.
Ping An excludes lost phones, places with black alerts, wars, terrorism, pre-existing condition, suicide, or any illegal or unlawful act.
Claims for losses due to natural disasters that are known are not covered. In other words, if travellers travel after natural disasters have taken place, no claims can be made.