STARR TraveLead Luxe Extra Plan
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Plan Details
- Family plan: Pay for two, children below age 18 are covered for free
- Extend to cover amateur hazardous sports, such as hot air ballooning, scuba diving, skiing, etc., no restriction on height or depth
- Medical expenses up to HK$1,000,000
- Trip cancellation up to HK$30,000
- Baggage protection up to HK$10,000
- 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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STARR TraveLead Luxe Extra Plan
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- Family and Child Benefits: Under the family plan, accompanying children under 18 are covered free of charge when two parents purchase the policy.
- Unrestricted Amateur Sports: Comprehensive coverage for activities like skiing, hot-air ballooning, and scuba diving with no depth or height limits.
- Core Medical and Emergency Protections: Up to HK$1,000,000 in overseas medical expenses with no outpatient limit, 90-day follow-up care in Hong Kong, and a 24-hour worldwide hospital deposit guarantee up to HK$40,000.
- Gadget and Personal Property Protection: Dedicated coverage for stolen or burgled electronics (laptops, phones, tablets, smartwatches) calculated with a 15% annual depreciation rate.
- Trip Flexibility and Cancellation: Coverage up to HK$30,000 for trip cancellations, 100% compensation under a Black Outbound Travel Alert, and automatic free extensions for up to 7 days in cases of force majeure.
Why choose STARR TraveLead Luxe Travel Insurance – Extra Plan?
Family offer: Pay only the premiums for two parents, and accompanying children under 18 are covered free of charge - ideal for family trips.
No sports restrictions: Covers popular activities such as skiing and diving, with no depth or height limits - great for sports lovers.
Outbound Travel Alert coverage: If a Black Outbound Travel Alert is issued for your destination, trip cancellation can be compensated up to 100% (subject to the sum insured limits).
24-hour worldwide emergency support: Provided by Starr Global Emergency Assistance, including emergency medical evacuation and a hospital admission deposit guarantee of up to HK$40,000.
Want a worry-free trip plus free coverage for your children?
Apply for the STARR TraveLead Luxe Extra Plan where accompanying children under 18 are covered free of charge.
STARR TraveLead Luxe coverage comparison: Extra Plan vs Supreme Plan
Below is a comparison of the core coverage items between the STARR TraveLead Luxe Travel Insurance - Extra Plan and the Supreme Plan:
| Coverage | STARR TraveLead Luxe Extra Plan | STARR TraveLead Luxe Supreme Plan |
|---|---|---|
| Overseas medical expenses | HK$1,000,000 | HK$2,500,000 |
| Follow-up treatment within three months of returning to Hong Kong | HK$30,000 | HK$60,000 |
| Trip cancellation | HK$30,000 | HK$60,000 |
| Loss of baggage | HK$10,000 | HK$30,000 |
| Personal money | HK$2,000 | HK$3,000 |
| Trip delay | HK$5,000 | HK$7,500 |
| Rental vehicle excess | Not applicable | HK$5,000 |
1. Medical expenses: no cap on the number of outpatient visits
Total overseas medical limit: The STARR TraveLead Luxe Extra Plan provides medical coverage of up to HK$1,000,000, covering overseas hospitalisation and outpatient treatment.
No outpatient limits: There is no sub-limit on outpatient expenses or the number of visits, giving travellers maximum flexibility.
Follow-up treatment in Hong Kong for up to 90 days: If treatment needs to continue after returning to Hong Kong, follow-up treatment coverage is available for up to 90 days.
2. Trip cancellation coverage
Coverage limit: The Extra Plan provides trip cancellation coverage of up to HK$30,000.
Scope of coverage: Within 30 days before departure, compensation is payable if the insured person, their immediate family member, travelling companion or business partner unfortunately dies, is injured or falls seriously ill, making it necessary to cancel the trip.
Expenses covered: Includes prepaid, non-refundable air tickets, transport tickets, accommodation costs and tour fees.
Special circumstances: Cancellation compensation is also provided if a natural disaster, strike or riot occurs at the destination within 1 week before departure.
Dedicated electronics coverage: Covers mobile phones, tablets, smartwatches and laptops in cases of theft, robbery or burglary.
Depreciation calculation: Compensation is calculated with depreciation deducted at 15% per year based on the age of the item since purchase.
Points to note: You must report to the local police within 24 hours of the incident and obtain a written report.
3. Personal belongings and electronic devices
For mobile phones, tablets, smartwatches and laptops that are stolen, robbed or burgled during the trip, the Extra Plan provides dedicated coverage. Compensation will be calculated with depreciation deducted according to the age of the item since purchase (15% per year). No cap on outpatient expenses or the number of visits, and 90 days of follow-up treatment coverage including Chinese bone-setting - apply online now and receive your e-policy instantly.
Ready to go? Apply for the STARR TraveLead Luxe Extra Plan now
No age limit, no height or depth limits for sports, and free coverage for accompanying children on family trips.
STARR TraveLead Luxe Extra Plan FAQ
Is there an age limit for coverage under the STARR TraveLead Luxe Extra Plan?
- There is no upper age limit for single-trip plans. However, for Accidental Death and Disablement, the limit is 50% of sum insured or up to a maximum of HK$500,000, whichever is lesser. For Medical Expenses, the 50% restriction applies only to persons aged over 70.
If the trip needs to be extended at short notice, will the insurance automatically cover it?
- If the trip is delayed due to force majeure (such as a natural disaster or strike) beyond the insured person's control, the policy will automatically be extended free of charge for up to 7 days.
How do I make a claim?
- Starr provides a convenient eClaims online claims platform, with no need to print forms. You must submit your application within 30 days of the incident (or within 15 days in the case of accidental death), and upload relevant documents such as the police report, medical report, air ticket proof and original receipts.
Does the Extra Plan cover rental vehicle excess?
No. Rental vehicle excess coverage applies only to the higher tier Supreme Plan. If you plan to self-drive, consider upgrading your plan.
Can I take out the policy while overseas?
- No. All trips must depart from and return to Hong Kong, and the policy must be issued before departure.