Starr Travel Insurance Hong Kong 2026: 40% off Discount (with Promo Code)
MoneySmart helps you compare Starr travel insurance plans in Hong Kong, including its Essential, Extra and Supreme plans' premium and coverage. Starr travel insurance has no deductible and there's no sub-limit or restriction on outpatient expenses and number of visits.
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We found 2 Starr International Insurance Plans for you!
【🌴MoneySmart 70,000 Asia Miles Giveaway Round 2】
From August 3 to 30, customers who successfully purchase a designated Travel Insurance Plan via MoneySmart and answer a creative question via the claim form. The 10 most creative entries will be selected as winners and win 7,000 Asia Miles, equivalent to a one-way flight ticket to Taiwan! (automatically converted from 14,000 SmartPoints and directly credited to the Cathay membership account)
🎁 [All Customers can choose]
- AIRSIM HK$20 Travel SIM Prepaid Card ^ OR
- AIRSIMe eSIM * OR
- Bowtie VHIS 40% off first-year premium + Comprehensive Dental Service 1 time^^
Valid till 30 Aug 2026
【🌴MoneySmart 70,000 Asia Miles Giveaway Round 2】
From August 3 to 30, customers who successfully purchase a designated Travel Insurance Plan via MoneySmart and answer a creative question via the claim form. The 10 most creative entries will be selected as winners and win 7,000 Asia Miles, equivalent to a one-way flight ticket to Taiwan! (automatically converted from 14,000 SmartPoints and directly credited to the Cathay membership account)
🎁 [All Customers can choose]
- AIRSIM HK$20 Travel SIM Prepaid Card ^ OR
- AIRSIMe eSIM * OR
- Bowtie VHIS 40% off first-year premium + Comprehensive Dental Service 1 time^^
Valid till 30 Aug 2026
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Starr Travel Insurance: Ultimate Coverage Guide & Plan Comparison
Planning your next trip? Whether you are heading off for an overseas beach getaway, a family vacation, or an adventure-packed ski trip, having the right travel insurance is essential. Starr TraveLead Travel Insurance offers comprehensive protection tailored to every type of traveler, with market-leading benefits like zero age limits on single trips, unlimited outpatient visit caps, and full coverage for amateur hazardous sports.
Starr Travel Insurance
| Starr Insurance Plan | Feature | Phone Protection? |
|---|---|---|
| Starr Insurance Plan TraveLead Travel Insurance (Single/ Annual) | FeatureExtend to cover terrorism, amateur hazardous sports and rental vehicle excess | Phone Protection?Nil |
Why Starr Travel Insurance?
Compare Starr vs. Allianz vs. Blue Cross Travel Insurance
| Details | STARR TraveLead Luxe Extra Plan | Allianz Travel – Silver Plan (Single Trip) | FWD MyTravel Insurance – Premium |
|---|---|---|---|
| Medical Coverage (Overseas) | HK$1,000,000 | HK$1,500,000 | HK$1,000,000 |
| Trip Cancellation | HK$30,000 | HK$20,000 | HK$25,000 |
| Loss / Damage of Baggage | HK$10,000 | HK$15,000 | HK$10,000 |
| Key Benefits |
• Overseas medical up to HK1,000,000 • Trip cancellation up to HK30,000 • Baggage %20 personal effects up to HK$10,000 |
• Overseas medical up to HK1,500,000 • Trip cancellation up to HK20,000 • Baggage %20 personal effects up to HK$15,000 |
Not applicable |
| Additional Coverage |
• Sports / outdoor activities: amateur hazardous sports covered — hot-air ballooning, scuba diving, skiing; no height or depth limit • Phone / devices: theft or robbery of mobile phones, tablets, smartwatches or laptops — up to HK$2,000 per item |
Not applicable | Not applicable |
| What You Should Know |
• Family plan: pay for two adults, children under 18 covered free • Age limit: no upper age limit for the insured |
• Benefit change by age: insured over 70 — medical sum insured capped at 50% of plan • Price change by age: premium loadings — ages 55–64 +50%; 65–69 +100%; 70–74 +150% |
Not applicable |
Real-Life Travel Scenarios: See How Starr Protects You
Scenario 1: Deep Sea Diving in Okinawa
- Problem: Most travel insurance policies restrict scuba diving to a maximum depth of 30 to 45 meters.
- Solution: Starr covers amateur hazardous sports with zero depth or height limits, giving you total peace of mind during underwater excursions.
Scenario 2: Senior Citizen Vacationing Overseas
- Problem: Older travelers often face strict age cutoffs (usually capped at 75) or steep premium surcharges.
- Solution: Starr Single Trip policies have no upper age limit, ensuring senior family members receive full medical protection.
Scenario 3: Teen Studying or Traveling Solo
- Problem: Unaccompanied minors frequently struggle to purchase individual insurance without an adult traveling on the same policy.
- Solution: Parents or guardians can easily purchase a standalone Starr TraveLead policy for children under 18 traveling independently.
Why Book STARR Travel Insurance Today?
- Backed by global underwriting stability and 24/7 Starr Global Emergency Assistance (+852 2802 8638).
- Instant 3-Step Online eClaims: Submit claims digital-first via Starr’s eClaims Service without physical paperwork hassles.
- Free OTA Extension: Automatic upgraded coverage for Amber, Red, and Black Outbound Travel Alerts.
Points to note before you make your decision
Medical Expenses
Medical expenses are one of the most important parts of travel insurance. It protects you if you need medical treatment. Starr reimburses the actual expenses for treatment of injury and sickness, including cash benefit for daily overseas hospital confinement, follow-up medical treatment extension, Chinese medicine, Chinese bone-setting, acupuncture treatment expenses and physiotherapy.
Age Limit
Some travel insurance imposes an age restriction usually for senior citizens but Starr travel policy doesn’t have an age limit for single trip policy. For the annual trip policy, anyone up to 70 years old can apply and it is renewable up to 75 years old.
Major Exclusion
It is important to understand the major exclusions before you decide to get insured. Starr TraveLead doesn’t cover any pre-existing condition, war, suicide, pregnancy, childbirth and professional sport.
How to make a claim for Starr Travel Insurance Policy?
With Starr, customers can submit claims online through eClaims Service together with all relevant documents on Starr website.
After your claim submission, you will receive an acknowledgment email.
The department concerned will process your claim request.
Starr Travel Insurance FAQ
Does Starr travel insurance policy protect amateur hazardous sports during the trip?
- Yes, it extends to cover amateur hazardous sports such as skiing, scuba diving and hot air ballooning with no limit on height or depth.
Can I get follow-up treatments after returning to Hong Kong from the trip?
- Yes, the policy extends to cover all follow-up medical expenses incurred within the maximum sum insured within 90 consecutive days after the trip.
Can children under 18 years old travel on their own enrol for TraveLead Travel Insurance?
- Yes, parents or guardians can apply for TraveLead Travel Insurance for them.
Why Choose MoneySmart?
MoneySmart is a trusted one-stop financial and insurance product comparison platform designed to save you time and money.
- Established Brand History: Founded in Singapore in 2009, the MoneySmart Group has evolved into a leading personal finance brand.
- Exclusive Offers from Official Partners: We partner with major banks in Hong Kong (such as Standard Chartered, HSBC, and Citibank), renowned insurance companies (such as Allianz, AXA, Starr, BlueCross and more), and top licensed brokerages to bring you exclusive offers.
- AI-Driven Personalized Recommendations: Through data analysis and smart matching, all users receive financial solutions tailored to their specific goals, rather than one-size-fits-all options.
- Clear Reward Tracking and Redemption Process: Our platform features a standardized reward redemption procedure backed by live customer service support, ensuring eligible users reliably receive their promised rewards.