It doesn’t take long to compare Thailand travel insurance with the cover on medical expenses, trip cancellation, and amateur dangerous sports. Compare now!
MSIG iTravel Plus (Single Trip) Plan A provides up to HK$1,000,000 coverage on overseas medical expenses and post-trip medical expenses within 90 days from date of return to Hong Kong. For trip cancellation, it provides up to HK$50,000 coverage. Covers amateur dangerous sports and activities and terrorist attacks.
DBS TravellerShield (Gold Plan) provides up to HK$800,000 coverage on overseas medical expenses and post-trip medical expenses within 90 days from date of return to Hong Kong. For trip cancellation, it provides up to HK$30,000 coverage. It also covers amateur dangerous sports with no additional charge.
STARR Companies TraveLead Extra Plan provides up to HK$50,000 coverage for trip cancellation. This plan also features up to HK$1,500,000 medical expenses coverage including in and outpatient treatments and amateur hazardous sports such as scuba diving with no height or depth limit.
Thailand is one of the most popular travel destinations among Hong Kong people. However, according to the recent research conducted by an insurance company, it is also one of the most dangerous countries in the world, accounting for 23% of the total travel insurance claims. Thailand also tops the road accidents list. Therefore, it is really important for travellers to get insured before setting off. MoneySmart advises travellers to buy travel insurance with more coverage on medical expenses, pickpocketing and trip cancellation.
Self-drive tour in Thailand could increase the risk of accidents so as water sports. Most of the travel insurance provides cover for the costs of emergency medical and surgical treatment in foreign countries. The coverage is from HK$500,000- HK$1,500,000. Before getting insured, it is important to find out what is not covered, for example, the medical expenses incurred when getting back to Hong Kong.
Pickpocketing and robbery are common in Thailand. It is important for travellers to get insured for the loss of cash as a result of pickpocketing/ robbery. The coverage is from HK$2,000 - HK$6,000 with AXA offering the least coverage while Bank of China offering the most coverage.
There have been terrorist attacks in Thailand in recent years. It is important to get travel insurance with coverage on trip cancellation as a result of red/ black travel alert. In general, the insurance company will provide coverage from 25-100% depending on the travel alert that the government issues.
You should buy travel insurance as soon as you book your holiday. This is to make sure you get your trip insured in case of accidents.
Yes. Most Travel insurance covers general amateur sports and activities. Some set a limit on the depth of dive but some don’t.
Yes. Most insurance products cover loss of money or unauthorised use of credit cards.
In most cases, no. The medical expenses incurred after your return to Hong Kong are not covered.
It depends if your scheduled trip is delayed for more than 24-hour due to the recent tsunami just took place.
It varies but in general, most insurance policies cover adverse weather, natural disasters and travel alerts. Many standard travel insurance policies exclude terrorist attacks.