Why Trust MoneySmart?Which travel insurance is the best in Hong Kong 2026?
Choosing the best travel insurance in Hong Kong depends on your trip, travel activities, and your own coverage needs. Still can’t decide? Check out our best travel insurance plans comparison below, including some top plans from Allianz, AXA, STARR, and more.
Top Travel Insurance Plans – Coverage Comparison
Provider | Plan Name | Medical Coverage | Trip Cancellation | Personal Baggage |
Allianz | HK$2,000,000 | HK$40,000 | HK$25,000 | |
AXA | HK$1,000,000 | HK$50,000 | HK$15,000 | |
AVO | HK$1,200,000 | HK$60,000 | HK$21,000 | |
FWD | HK$1,500,000 | HK$50,000 | HK$20,000 | |
STARR | HK$2,500,000 | HK$60,000 | HK$30,000 | |
MSIG | HK$1,000,000 | HK$50,000 | HK$20,000 |
Understanding Key Features
Medical Cover: Insures you for emergency treatment if you fall sick or get injured abroad. Limits for these policies range from HK$500,000 up to HK$2,500,000, with follow-up care provided upon return to Hong Kong .
Trip Cancellation/Delay: Most insurance plans offer protection if you need to cancel or shorten your trip due to emergencies, with STARR and AVO offering higher maximum payouts.
Baggage Loss: Protects your luggage and personal effects. Limits differ by item and overall per trip, with Allianz providing the highest aggregate coverage.
Amateur Sports Coverage: Significant if you enjoy “high-risk”activities like skiing, hiking, or scuba diving. Most insurance plans nowadays offer protections for amateur sports, but be aware of common exclusions.
What to Look for When Comparing Plans
Coverage: Check the insured limits for medical emergencies, baggage, personal liability, and amateur sports / high-risk activities (eg. skiing/scuba).
Price: Premiums change by trip length and destination — Asia is typically cheaper, while Europe tends to be more expensive
Customer Service: Make sure your insurer provides 24/7 emergency support and an easy claims process.
Exclusives & Rewards: Some insurers will offer premium discounts irregularly, or visit our website to look for the best offer!
So, Which Plan Is “The Best”?
There is no single “best” insurance plan; the smartest pick depends on your needs:
Value-seekers: Allianz’s Travel Extra Gold and AVO’s Worldwide Restful Travel Protection both offer wide benefits, budget-friendly plans, and exclusive deals.
High coverage / big trips: STARR’s TraveLead Luxe Supreme Plan boasts maximum medical, trip cancellation and baggage protections—ideal for adventurous or high-value travels.
Families: All reviewed plans cater to families, but AXA and Starr provide free child cover (terms and conditions apply).
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Disclaimer:
This insurance product information is intended for Hong Kong residents only and is provided for informational purposes. This material does not constitute an offer to sell, nor a solicitation to purchase, any insurance product. The terms and conditions of the insurance coverage are governed by the policy document issued by the insurance company, which contains full details of the coverage, including the scope of coverage, benefits, exclusions, and limitation clauses. Please carefully read the official policy documents before making a purchase to ensure the product meets your needs. This advertisement/material has not been reviewed by the Insurance Authority of Hong Kong.
By purchasing this insurance product, you confirm that you have read and understood this disclaimer and the policy terms, and you agree to the terms set out in the policy document. For personalised insurance advice, please consult a licensed insurance professional.
