STARR Companies TraveLead Supreme Plan - Annual Plan
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Valid till 31 Dec 2026
Plan Details
- Coronavirus Disease (COVID-19) Extension (For Single-Trip and Annual Travel Policy)
- Staycation Benefit (For Annual Travel Policy Only)
- Travel Delay coverage up to HK$3,000
- Overseas Medical Expenses coverage up to HK$1,500,000
- Accidental Death or Total Permanent Disability coverage up to HK$1,500,000
- For an insured person above 70, the maximum sum insured for Medical Expenses shall be subject to 50% of the selected plan, or up to maximum of HK$500,000, whichever is lesser.
- For an insured person aged below 18 or above 70, the maximum sum insured of Accidental Death and Disablement shall be subject to 50% of the selected plan, or up to maximum of HK$500,000, whichever is lesser.
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Is the STARR Companies TraveLead Supreme Plan (Annual) Worth It? Coverage, Features and Review at a Glance
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- Comprehensive Annual Protection: Up to HK$1,500,000 for overseas medical expenses (with no outpatient limits) and HK$50,000 for trip cancellations, covering multiple trips up to 90 days each per year.
- Family and Child Benefits: Excellent value for families, charging premiums only for two parents while covering all accompanying children under 18 completely free of charge.
- Unrestricted Amateur Sports: Full protection for activities such as scuba diving, skiing, and hot-air ballooning with no height or depth limitations.
- Gadget and Personal Belongings Cover: Provides up to HK$20,000 for personal effects, including dedicated coverage for mobile phones, laptops, tablets, and smartwatches against theft or robbery.
- Exclusive Tier Perks: Features higher-tier protections unavailable in the Extra plan, such as up to HK$5,000 for rental vehicle excess and HK$5,000 for loss of credit card.
STARR Companies TraveLead Supreme Plan (Annual) Features
Overseas medical expenses up to HK$1,500,000: Covers hospitalisation and outpatient treatment, with no limit on outpatient consultation fees or number of visits.
Trip cancellation up to HK$50,000: Covers losses arising from being unable to depart as scheduled due to insured reasons.
Baggage and personal effects up to HK$20,000: Includes cover for mobile phones, tablet computers, smart watches and laptop computers against theft or robbery.
Family plan offer: Only two parents' premiums are charged, and children under 18 are covered free of charge.
Amateur high-risk sports cover: Extends to leisure and amateur sports such as hot air ballooning, scuba diving and skiing, with no height or depth restrictions.
STARR Companies TraveLead Plan (Annual) Travel Insurance Comparison: Supreme Plan vs Extra Plan
Before purchasing an annual plan, travellers can compare the coverage of the STARR TraveLead Supreme Plan and Extra Plan:
| Coverage | Extra Plan (Annual) | Supreme Plan (Annual) |
|---|---|---|
| Overseas medical expenses limit | HK$1,000,000 | HK$1,500,000 |
| Accidental death and permanent disablement | HK$1,000,000 | HK$1,500,000 |
| Burns benefit | HK$200,000 | HK$300,000 |
| Trip cancellation limit | HK$25,000 | HK$50,000 |
| Trip curtailment limit | HK$25,000 | HK$50,000 |
| Baggage and personal effects limit | HK$10,000 | HK$20,000 |
| Baggage delay | HK$500 | HK$1,000 |
| Personal money | HK$2,000 | HK$3,000 |
| Loss of travel document | HK$10,000 (HK$1,000 per day) | HK$20,000 (HK$2,000 per day) |
| Travel delay or re-routing | HK$1,500 (HK$300 per 6 hours) | HK$3,000 (HK$300 per 6 hours) |
| Personal liability limit | HK$1,000,000 | HK$1,500,000 |
| Rental vehicle excess | Not applicable | HK$5,000 |
| Loss of credit card | Not applicable | HK$5,000 |
*Note: Policyholders should note that the maximum duration of each trip under the annual plan is 90 days. In addition, if the insured person is aged over 70 or under 18, the maximum sum insured for certain items such as accidental death and disablement or medical expenses will be correspondingly reduced and restricted. Destinations not covered include Belarus, Cuba, Iran, North Korea, Russia and Ukraine.
STARR Companies TraveLead Supreme Plan (Annual) Review and Value for Money
The STARR Companies TraveLead Supreme Plan (Annual) generally receives very positive reviews, and is particularly suitable for travellers who travel overseas multiple times a year or who plan to travel with their family and children. Compared with the Extra Plan, the Supreme Plan offers higher medical and trip cancellation limits, while also adding benefits such as rental vehicle excess and loss of credit card cover.
Why Choose the STARR Companies TraveLead Supreme Plan (Annual)?
Comprehensive overseas medical cover: Overseas medical expenses up to HK$1,500,000, with no limit on outpatient consultation fees or number of visits, helping to ease the financial burden of seeking treatment in destinations with high medical costs.
Electronic device theft cover: Covers mobile phones, tablet computers, smart watches and laptop computers and other mobile devices for loss caused by theft or robbery overseas.
Amateur sports coverage: Many insurers impose restrictions on diving depth or skiing altitude, whereas the STARR Companies TraveLead Supreme Plan (Annual) covers leisure and amateur sports with no height or depth restrictions, giving you greater peace of mind when travelling.
High-value family plan: The family annual plan only charges two parents' premiums, and all children under 18 are covered free of charge.
STARR Companies TraveLead Supreme Plan (Annual) FAQ
Does the STARR Companies TraveLead Supreme Plan (Annual) include mobile phone and electronic device theft cover?
- Yes. The Supreme Plan provides cover for mobile devices (including mobile phones, tablet computers, smart watches or laptop computers) for loss caused by theft, robbery or burglary. Policyholders should note that the insured person must report the incident to the local police within 24 hours of the occurrence and obtain the relevant supporting documents.
What is the maximum trip duration per journey under the annual travel insurance plan?
- The maximum duration of each trip under the STARR Companies TraveLead Supreme Plan (Annual) is 90 days. All trips must depart from and return to Hong Kong.
Does the Supreme Plan cover the rental vehicle excess for self-drive trips?
- Yes. The Supreme Plan provides up to HK$5,000 in rental vehicle excess cover. The insured person must be the named driver under the rental agreement and must have purchased motor insurance provided by a licensed vehicle rental organisation.
Can seniors apply for the STARR annual insurance plan?
- The maximum entry age for the STARR Companies TraveLead Supreme Plan (Annual) is 70, and it can be renewed up to age 75. Please note carefully that if the insured person is over 70, the maximum sum insured for accidental death and disablement (capped at 50% or HK$500,000, whichever is lower) and overseas medical expenses (capped at 50%) will be correspondingly reduced.
What documents are required and what is the time limit for filing a claim?
- The insured person must submit a notice of claim in writing or by email ([email protected]) within 30 days of the occurrence. The required documents depend on the type of claim, and typically include a police report, medical report and diagnosis certificate, original receipts, air ticket/boarding pass and itinerary proof, etc.