What benefits can I get when applying for travel insurance on MoneySmart?

MoneySmart helps you compare 40+ travel insurance plans in one go and offers exclusive discount and gifts for some travel insurance products so we save both time and money for you!😉

Where to get travel insurance in Hong Kong?

You can get your travel insurance in Hong Kong via MoneySmart! MoneySmart allows you to have a single view of all available travel insurance from different providers such as Allianz, FWD and AXA. What’s better, you may even get additional discounts or offers when purchasing insurance from MoneySmart.

Can I buy travel insurance when I’m abroad?

No. Travel insurance must be purchased before your trip commences. You should buy your travel insurance as soon as possible, best after you’ve booked your tickets and hotels, as travel insurance cover starts right after your purchase, to give you the maximum coverage like trip cancellation or delay.

How do I compare travel insurance policies?

Almost all travel insurance policies will cover you for personal accident, medical and travel inconvenience. However, if you intend to rent a car or plan on participating in underwater sports like snorkeling or diving, you might want to get a travel insurance policy that covers these activities in addition to the basic coverage for example Generali Bravo Travel Protector - Classic Plan which covers amateur sports and Allianz Travel - Gold Plan Single Trip covers excess.

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.

Should I buy travel insurance if I study abroad or go on a working holiday?

No. 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 insurance does not cover any kind of manual or labor 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?

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.

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.

Are Family Travel Insurance Plans Cheaper?

Most insurers such as AXA SmartTraveller Plus Premier Plan offer cheaper premium rates if you purchase your travel insurance as a family. If you compare plans offered by the same insurance provider, you can generally expect to save 5% to 15% when you purchase a family plan instead of an individual plan.

What is travel insurance and how does it help me?

Travel insurance helps protect you from risks before, during and after your trip. Travel insurance can cover personal accidents or medical expenses, travel inconvenience as well as theft and loss of baggage. If you are traveling overseas you should definitely get a travel insurance plan as it’s relatively cheap and can protect you from unnecessary cost and risk.

Is it necessary to buy travel insurance when I travel?

Most countries no longer require visitors to buy travel insurance. However, travel insurance can offer you extra coverage. MoneySmart helps you compare HK travel insurance with different features, such as coverage for Covid-19, water-sports, loss of personal items and flight delay with exclusive discount! Start comparing now!

What is the difference between Single Trip or Annual Travel Insurance?

When you buy travel insurance you can choose from two types of policies - Single Trip or Annual Trip coverage. Single Trip Travel Insurance covers you for a single trip that originates and ends in Hong Kong. Annual Travel Insurance covers you for all trips starting and ending in Hong Kong. You should consider buying Annual Travel Insurance if you travel frequently (more than 10 times a year). You will enjoy significant savings, and you won’t have to worry about purchasing travel insurance each time you travel as you are automatically covered for the entire year.

Compare Travel Insurance Hong Kong 2025: Premium, Offers & Coverage at a Glance

Allianz Travel - Gold Plan (Single Trip)

Premium

^HK$150

40% Off~~HK$250~~

MoneySmart Exclusive

Promotion ends in 5 days

Allianz Travel - Gold Plan (Single Trip)

Medical Expenses: ^HK$2,000,000
Travel Cancellation: ^HK$40,000
Loss/Damage of Baggage: ^HK$25,000
Premium Premium~~HK$250~~40% Off: ^HK$150

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Top travel insurance plans	Premium as low as*	Coverage
Allianz Travel - Gold Plan	$126	Covering theft of mobile device (up to HK$5,000) Covering rental vehicle excess (up to HK$5,000)
Allianz Travel - Silver Plan	$99.64	Trip cancellation coverage up to HK$20,000 Covers the loss of frequent flyer points, air miles or loyalty card points due to trip cancellation
AXA SmartTraveller Plus Premier Plan	$180.80	No upper age limit for single trip travellers Covers for luggage and personal belongings (up to HK$8,000)
Generali Bravo Travel Protector - Classic Plan	$195.30	No deductible for all coverage items Covers for amateur sports including skiing and diving
Avo Worldwide Restful Travel Protection - Lite Plan	HK$125.30	Cover the excess Upgrade to cover pre-wedding photoshoot and wedding
Avo Worldwide Restful Travel Protection - Lite Plan	HK$130.05	24-hour worldwide emergency Medical expenses up to HK$500,000
Generali Bravo Travel Protector - Classic Plan	$195.30	No deductible for all coverage items Covers for amateur sports including skiing and diving
		*based on a 5-day trip to Japan. All coverages are subject to policy terms and conditions

Travel Insurance Hong Kong 2025: Compare travel insurance and enjoy exclusive discount at MoneySmart

Refine Your Results

HK$150

Allianz Travel - Gold Plan (Single Trip)

HK$121.55

STARR Companies TraveLead Extra Plan

HK$170.80

FWD | MyTravel Insurance - Premium

HK$166.40

AXA SmartTraveller Plus Premier Plan

HK$194.60

Dah Sing Insurance JourneySure Travel Insurance - Diamond

HK$134.40

Avo Worldwide Restful Travel Protection - Lite Plan (Area 2)

HK$119.40

Allianz Travel - Silver Plan (Single Trip)

HK$177.10

MSIG iTravel Plus (Single Trip) Plan B

HK$190.40

Blue Cross TravelSafe Plus - Global Gold Plan (Single-plan Cover)

HK$177.45

STARR Companies TraveLead Supreme Plan

HK$286.45

Blue Cross TravelSafe Plus - Global Diamond Plan (Single-plan Cover)

HK$245

Prudential PRUChoice Travel Single Trip - Asia & Specific Islands

HK$181.30

Generali Bravo Travel Protector - Classic Plan

HK$161.50

QBE Single Trip Travel Insurance - Silver

HK$177

Zurich Get “Z” Go+ Travel Single Plan (Essential Plan)

HK$129.50

Dah Sing Insurance JourneySure Travel Insurance - Gold

HK$116.20

FWD | MyTravel Insurance - Economy

HK$102.70

AXA SmartTraveller Plus Standard Plan

HK$115.50

Avo Worldwide Restful Travel Protection - Lite Plan (Area 1)

HK$202.40

BOCG Insurance Universal Voyage Travel Insurance - Gold Plan (Asia)

Best Travel Insurance in Hong Kong

Tips for Comparing Travel Insurance Policies

Single V.S. Annual Travel Insurance

Add-on coverage

Check the limits and excess

What does travel insurance from HK cover?

Medical expenses

Trip cancellations and delay

Loss of baggage and personal items

Personal accident

Personal Liability

High risk sports coverage

^HK$150

^HK$121.55

^HK$170.80

^HK$166.40

^HK$194.60

^HK$134.40

^HK$119.40

^HK$177.10

^HK$190.40

^HK$177.45

^HK$286.45

^HK$245

^HK$181.30

^HK$161.50

^HK$177

^HK$129.50

^HK$116.20

^HK$102.70

^HK$115.50

^HK$202.40