Zurich Travel Insurance Hong Kong 2026: 25% off, Premium, Coverage and Reviews
Is Zurich travel insurance good? Compare Zurich travel insurance Get "Z" Go plans' coverage and premiums on MoneySmart now!
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We found 3 Zurich Insurance Plans for you!
Valid till 31 Aug 2026
Valid till 31 Aug 2026
Valid till 31 Aug 2026
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Is Zurich Travel Insurance Worth it? "Z" Go+ Coverage, Promo Codes, and Claims Guide
When planning a trip, securing reliable Zurich travel protection is a top priority for local globetrotters. Zurich travel insurance is a long-standing favorite among Hong Kong travelers, highly regarded for its robust brand background, comprehensive global network support, and reliable local service system.
Brand Reputation
With over 150 years of history, Zurich Insurance Group is a world-renowned insurance brand headquartered in Switzerland. In Hong Kong, Zurich is well-known for its stability, financial security, and efficient claims processing. Whether you are embarking on a short getaway or a long-haul journey, Zurich’s Get "Z" Go single-trip or annual Zurich travel insurance offers full protection for every traveler.
Service & Support
Zurich provides comprehensive insurance support in Hong Kong, featuring online enrollment, an intuitive e-claim system, and 24-hour global emergency assistance. If you encounter an accident or require medical attention during your travel adventures with Zurich, you can easily file a claim simply by uploading the relevant documents.
Zurich Travel Insurance Promo Code
Looking to secure your coverage at a better price? Use the promo code "MSTRAVEL20" now to enjoy a 20% discount on your premium when applying for Zurich Get "Z" Go+!
Zurich Get "Z" Go+ Travel Insurance Comparison: Plans, Coverage, and Offers
Zurich travel insurance offers three single-trip plans: the Breezy Plan, Elite Plan, and Supreme Plan. Ranging from entry-level to high-end coverage, these options are designed to accommodate different travel needs. Below is a comparison of the three major plans under Zurich Get "Z" Go+:
| Plan | Medical Expenses | Trip Cancellation | Personal Property | Key Features |
|---|---|---|---|---|
| Zurich Get “Z” Go Breezy Plan | HK$400,000 | HK$3,000 | Approx. HK$3,000 | Free coverage for 1 child; full coverage for ages 76 and above. |
| Zurich Get “Z” Go Elite Plan | HK$1,000,000 | HK$20,000 | HK$15,000 | Includes mobile phone and rental car protection; Personal Liability up to HK$2,000,000. |
| Zurich Get “Z” Go Supreme Plan | HK$1,500,000 | HK$50,000 | HK$25,000 | Mobile phone + laptop protection; Personal Liability up to HK$3,000,000. |
Key Features: Advantages of getting Zurich Get "Z" Go+
No Upper Age Limit for Insured Persons
Zurich Get "Z" Go+ single-trip plans do not enforce an upper age limit. Seniors aged 76 or above are welcome to apply for the Breezy Plan or Elite Plan. While the medical expenses and personal accident coverage amounts are reduced for this age bracket, all other coverage limits remain unchanged. Seniors can also opt for "Optional Cruise Cover" to increase their medical and accident coverage.
1+1 Offer: Free Coverage for Children
Every applicant aged 18 or above can enjoy the 1+1 offer, which provides free travel insurance for an accompanying child aged 17 or below (no direct family relationship required). The maximum compensation limit for the child is 50% of the adult's benefit. Applicants can also choose to add "Optional Cover" to increase the child's maximum compensation limit to 100%.
Free Marathon and Cycling Tour Coverage
Standard amateur international marathons and cycling tours are covered under the extended benefits of Zurich Get "Z" Go+ plans at no extra cost to the insured.
Zurich Travel Insurance Claims Guide: Process & Required Documents
When unexpected situations happen abroad, such as flight delays, lost baggage, or sudden illnesses, knowing how to file a claim for your Zurich travel insurance Hong Kong policy is crucial. This step-by-step guide and document checklist will help you navigate the process seamlessly.
Insurance Claims Document Checklist
| Claim Category | Required Documents | Important Notes |
|---|---|---|
| Medical Claims | Medical reports, medical receipts, boarding pass | Receipts must be official and include a doctor's diagnosis. |
| Trip Cancellation / Delay | Airline notification, hotel receipts, boarding pass | Must state the exact reason for the cancellation or delay (e.g., weather, strike, illness). |
| Baggage Loss / Damage | Police report, baggage tags, purchase receipts | Must be reported to authorities within 24 hours of the incident. |
| Personal Liability | Third-party report, proof of loss | Notify Zurich immediately if third-party injury or property damage is involved. |
Step-by-Step Claims Process
- Gather Supporting Documents: Ensure all receipts, invoices, and report details are clear and legible.
- Upload or Submit Application: Log into the official e-claim platform to upload your documents and fill out the claim details. Alternatively, download the claim form (PDF) from the Zurich website and submit it along with your documents via mail or email.
- Confirmation and Follow-up: An automated confirmation email will be sent upon submission. If any supporting documents are missing, Zurich will contact you directly.
- Receive Payout: Once approved, the reimbursement will be transferred directly into the applicant's bank account.
Important Notes
- It is recommended to report incidents within 30 days of occurrence.
- Keep all original documents, as the insurer may request them for verification.
- You can check your claim status at any time via the 24-hour assistance hotline.
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Which Travel Insurance Suits You Best? Credit Card vs. Zurich Travel Insurance
Many travelers assume that the complimentary travel insurance provided by credit cards is sufficient, but there is a significant disparity in coverage when compared to a dedicated plan for Zurich travel insurance Hong Kong.
Credit Card Travel Insurance
Complimentary travel insurance from credit cards is typically co-provided by the issuing bank and a partner insurer. The coverage focuses primarily on accidental death or flight delays. While some premium cards (e.g., Platinum cards) may offer medical and lost baggage protection, the coverage limits are generally low and may not cover overseas hospitalization or surgical expenses.
Benefits of Zurich Travel Insurance
Zurich Get "Z" Go+ single-trip insurance offers medical coverage up to HK$1,500,000 (Supreme Plan), trip cancellation limits up to HK$50,000, and personal liability coverage up to HK$3,000,000. It provides comprehensive protection regardless of your trip duration or destination distance. Furthermore, it supports fast online e-claims and provides a 24-hour global assistance hotline. If you are only going on a very short trip, credit card insurance might suffice for basic needs. However, for travelers who prioritize medical security, trip cancellation flexibility, or are carrying valuable belongings, a more comprehensive Zurich travel insurance plan is the superior choice.
Single-Trip vs. Annual Travel Insurance Comparison
Zurich Get "Z" Go+ Single-Trip Travel Insurance
- Best For: Occasional travelers, individuals whose single trip exceeds 90 days, or travelers with specific activity needs.
- Flexibility: Tailor your plan with add-on options such as self-drive car rentals, cruise vacations, short-term overseas study, or overseas wedding photography.
- Coverage Period: Up to 180 days per trip.
Zurich Annual Travel Insurance
- Best For: Frequent flyers who plan to travel more than 3 to 4 times a year. Whether for business or short weekend getaways, an annual plan eliminates the hassle of purchasing insurance every single time and offers better value for money.
- Coverage Period: Unlimited trips within the one-year policy period. Note that the maximum duration per individual trip is typically capped at 90 days.
Zurich Hong Kong Travel Insurance FAQ
What electronic devices are covered by Zurich Travel Insurance?
- Zurich travel insurance covers laptops, tablets, cameras, camcorders, and their related accessories. The Elite and Supreme plans also extend coverage to mobile phones that are accidentally lost or damaged during the trip.
What high-risk sports are covered under Zurich Travel Insurance?
- Most popular recreational travel activities are covered under Zurich travel insurance Hong Kong. This includes hot air ballooning, winter sports, scuba diving, water skiing, sailing, white-water rafting, skydiving (accompanied by a professional), horseback riding, and ziplining. However, activities such as car racing, piloting an aircraft, professional sports, mountaineering/trekking above an altitude of 5,000 meters, or diving below a depth of 40 meters are excluded.
What is the difference between "Travel Delay Allowance" and "Flight Departure Delay Allowance" in the Zurich Get "Z" Go+ plans?
- A flight must be delayed for at least six hours to qualify for the standard "Travel Delay Allowance." However, the Elite and Supreme plans under Get "Z" Go+ feature a "Flight Departure Delay Allowance"—as long as the insured has checked in and the flight is delayed for more than three hours, a payout is triggered.
How do I contact Zurich if I need emergency assistance during my trip?
- If you require immediate emergency assistance while abroad on your Zurich travel itinerary, you can call Zurich's 24-hour Emergency Assistance Hotline at +852 2886 3977. Please have your policy number ready before calling so the operator can quickly verify your information.
If the number of accompanying children exceeds the number of adults on the trip, can I still enjoy the 1+1 offer?
- Yes, you can include additional children in the same policy by paying the corresponding premium for an "Additional Accompanying Child." Policyholders can also opt for "Optional Cover" to raise the maximum compensation limit for accompanying children to match that of adults.
Does Zurich Get "Z" Go+ Single-Trip Insurance offer compensation for natural disasters or flight incidents?
- Yes. If your trip is cancelled or delayed due to a typhoon, blizzard, or earthquake, Zurich will provide compensation according to your chosen plan. The Elite Plan offers up to HK$20,000 for trip cancellation, while the Supreme Plan caps it at HK$50,000, alongside allowances for baggage delays.
Are acts of terrorism or political events covered by Zurich Get "Z" Go+ Single-Trip Insurance?
- Personal injury or death resulting from a terrorist attack is covered under Zurich Get "Z" Go+ Single-Trip Insurance, with maximum compensation reaching up to HK$1,000,000. However, any losses arising from war, riots, civil commotion, or political unrest are excluded from claims.
How can I report a flight cancellation or rescheduling?
- You can upload the flight notification, boarding pass, and proof of payment through the Zurich e-claim platform. If the situation involves delayed or lost baggage, you must also submit a report issued by the police or the airline. Once approved, funds will be deposited directly into your bank account.
What scenarios are considered "Exclusions" (Not Covered) under Zurich Get "Z" Go+ Single-Trip Insurance?
- Voluntary cancellation or postponement of the trip.
- Physical discomfort or illness without a formal doctor's diagnosis.
- Voluntary flight changes made by the airline.
- War, strikes, or political turmoil.
How do I get the latest Zurich Travel Insurance promo code?
- Travelers can stay tuned to the latest updates on platforms like MoneySmart. Currently, using the promo code "MSTRAVEL20" when applying for Zurich Get "Z" Go+ gets you an instant 20% off your premium!
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