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.

Can I buy Hong Kong travel insurance online after I have already departed?

No. Policies must be purchased prior to passing through Hong Kong immigration and departing the SAR.

How does Outbound Travel Alert (OTA) protection work?

If the HK Security Bureau issues a Black or Red Travel Alert for your destination before or during your trip, policies with OTA extensions reimburse non-refundable canceled bookings.

Does travel insurance cover mobile phone theft?

Yes, most top-tier plans (such as STARR TraveLead Supreme or Allianz Gold) cover mobile device theft, robbery, or burglary, provided you file a local police report within 24 hours.

Travel Insurance 2026: Compare 70+ Premium, Offers & Coverage at a Glance

Top Travel Insurance Plans in Hong Kong

Top travel insurance plans	Coverage
STARR TraveLead Luxe Supreme Plan	No upper age limit for single-trip plans Mobile device theft/robbery/burglary (up to HK$3,000) Rental vehicle excess (up to HK$5,000) Medical expenses (up to HK$2,500,000) Amateur hazardous sports covered with no depth/height limits
Allianz Travel - Gold Plan	Covering theft of mobile device (up to HK$5,000) Covering rental vehicle excess (up to HK$5,000)
Allianz Travel - Silver Plan	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	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	No deductible for all coverage items Covers for amateur sports including skiing and diving
Avo Worldwide Restful Travel Protection - Lite Plan	Cover the excess Upgrade to cover pre-wedding photoshoot and wedding

*based on a 5-day trip to Japan. All coverages are subject to policy terms and conditions

Medical expenses

If you unexpectedly suffer an injury or sickness on your trip and need to visit the doctor or hospital abroad, travel insurance will cover treatment expenses incurred.

Trip cancellations and delay

Look for a policy that is able to compensate you for any flight delay, cancellation, or disruption like STARR Companies TraveLead Extra Plan up to HK$25,000 on travel cancellation. This will help to tide you over the inconvenience caused before you get on your next flight.

Loss of baggage and personal items

Losing your luggage can be a huge nightmare. Most policies should cover you for lost, delayed or damaged baggage like AXA SmartTraveller Plus Premier Plan with up to HK$800 coverage on baggage delay, but if you are bringing expensive items along, make sure you get add-on insurance for those items too.

Personal accident

This travel insurance coverage starts even before you embark on your trip, and provides reimbursement should you encounter an accident.

Personal Liability

If an insured person is involved in legal liability of causing a loss or damage to the third parties, personal liability coverage in travel insurance will be able to help with the compensation and expenses.

High risk sports coverage

Going to climb a mountain? Decided to give skydiving a try? Make sure your travel insurance covers you for the activity you are doing. Some policies only cover climbing up to a certain height so be sure to check the details of sports coverage first.

Single V.S. Annual Travel Insurance

If you can see yourself travelling multiple times, at least 3 to 4 trips in the coming year, you may consider annual travel insurance instead of single trip insurance.

Besides saving some cash, you can also save time since there is no need to shop for a new policy every time before you go.

Add-on coverage

Other than basic cover like trip cancellation, baggage loss etc., if you are doing any special activities or sports, like sky-diving or bungee-jumping, you may need extra cover to get full protection on the medical expenses or personal accident.

If you are going on a cruise, you may also need to upgrade your policy so to get missed departure, cruise itinerary change or more cruise insurance cover.

Regional vs. Worldwide Tiers

Regional plans (e.g., covering Asia/Japan/Thailand) cost significantly less than worldwide plans covering the US or Europe.

Family Discount Packages

Plans from providers like STARR, AXA, and Blue Cross allow children under 18 to enjoy free or discounted coverage when enrolled under a family policy.

Key Factors When Comparing Travel Insurance Policies

Check Sub-Limits & Deductibles: Review per-item caps on mobile devices or rental vehicle excess deductibles before purchasing.
Verify Age Restrictions: While STARR and AXA single-trip policies have no upper age limit, medical coverage caps may automatically drop by 50% for senior travelers aged 70 or above.
Exclusions to Keep in Mind: Standard exclusions across policies include pre-existing medical conditions, professional/remunerated sports competitions, and unattended personal belongings left in public spaces.

Hong Kong Travel Insurance: Exclusions

Like every other insurance, travel insurance has its exclusions and special conditions which the insurance company see as a higher risk, therefore the coverage is not eligible under those conditions. Here are several common categories of exclusions in a travel insurance policy:

War, revolution, use of military power, riot
Intentional acts including suicide or not taking reasonable efforts to minimize or avoid injury
Pregnancy, childbirth or any associated injury or sickness
Pre-existing or undeclared medical conditions
Specific medical conditions including sexually transmitted disease like AIDS or mental disorder
Alcohol or medicine related accidents, unless those are under prescription
Professional sports
High-risk activities
Unattended belongings

Debunking Travel Insurance Myths

Many travellers think travel insurance is only necessary for long-haul trips or extreme situations, but in reality, even a short regional getaway can lead to unexpected expenses — from cancelled train rides/flights to lost luggage or hospital bills overseas. Here are some of the myths about travel insurance debunked:

Myth 1: All travel insurance plans are the same

Each insurer defines benefits and exclusions differently. For insurance, travel insurance plans that provide overseas medical coverage may have vast difference in terms of claim limits, excess amounts, and activity exclusions.

Myth 2: Young travellers don’t need it

Some people may think that elderly are more prone to accidents and medical emergencies during travel, however, even young and healthy travellers can face various unforeseen events during their trips e.g. flight cancellations and theft. Travel insurance can help safeguard related losses.

Myth 3: Credit card insurance is enough

Credit card travel insurance usually applies only if you pay for your trip with that card and often provides limited medical coverage. Always review the fine print — credit card travel insurance’s coverage caps are typically much lower than standalone plans.

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Step 1

Enter Your Itinerary

Input your destination, travel dates, and the number of travelers on MoneySmart.

Step 2

Compare Coverage & Offers

Compare plans side-by-side by looking at medical limits, delay benefits, and gadget protection.

Step 3

Apply Online Instantly

Complete your application before departing Hong Kong to activate instant coverage and claim exclusive MoneySmart discount codes or gifts.

Key Considerations Before Buying Travel Insurance: Common Scenarios

Buying travel insurance isn't a guarantee that every claim will be paid. Coverage scope, purchase timing, traveler eligibility, and trip type directly impact claim outcomes. Here are 8 key points most Hong Kong travelers overlook, along with in-depth guidelines:

1. Buy Insurance Before Natural Disasters (Earthquakes, Tsunamis, Floods) Occur

If an earthquake has already occurred or been widely reported at your destination before you buy a policy, insurers classify it as a "known risk," and subsequent claims will generally be excluded. To learn about coverage limits and "known event" clauses for natural disasters:

Please see: Detailed Guide to Travel Insurance Coverage for Natural Disasters.

2. Purchase Travel Insurance Early During Typhoon Season

Once the Hong Kong Observatory hoists a tropical cyclone signal, last-minute policies will not cover flight cancellations or delays caused by that typhoon. Pay extra attention during summer and autumn when traveling to Taiwan, Japan, Thailand, or the Philippines. To understand typhoon claim thresholds and procedures:

Please see: Does Travel Insurance Cover Typhoons? What You Need to Know About Flight Cancellation & Delay Claims.

3. Choose the Correct Geographic Scope for Mainland China Trips

If you are driving to Mainland China under the "Northbound Travel for Hong Kong Vehicles" scheme, pay close attention to Third-Party Liability and Rental Vehicle Excess/Loss coverage. If you travel north frequently or plan to drive in Mainland China:

Please see: Mainland China Travel Insurance Comparison & Greater Bay Area Coverage Guide.

4. Altitude and Depth Restrictions on High-Risk Activities (e.g. Diving, Skiing)

Most travel insurance policies cap amateur scuba diving at 30 meters deep and high-altitude trekking at 3,000 to 5,000 meters above sea level, excluding any activity exceeding these limits (though plans like STARR TraveLead Luxe Supreme offer coverage with no height or depth limits). If you plan to scuba dive, ski, skydive, or ride hot air balloons:

Please see: High-Risk Sports Travel Insurance Comparison: Skiing, Diving, and Skydiving Coverage.

5. Annual Travel Plans Are Usually More Cost-Effective for 3+ Trips a Year

Annual multi-trip plans cover unlimited trips within 12 months (typically up to 60 - 90 days per trip), and automatically cover short weekend trips to Shenzhen or Macau. To compare annual and single-trip plans:

Please see: Annual Travel Insurance Comparison, Premiums & Coverage Limits.

6. Pay Attention to Rental Vehicle Excess on Self-Drive Trips

In the event of an accident overseas, travelers are responsible for paying a rental vehicle deductible (excess), typically ranging from HK$3,000 to HK$12,000. If you plan a self-drive trip overseas or drive to Mainland China:

Please see: Self-Drive Travel Insurance & Rental Vehicle Excess Coverage Explained.

7. Age Limits for Senior Travelers

Some single-trip plans have age caps around 75 to 85 years old, while annual plans cap entry around 70 to 75 years old (certain single-trip plans, like STARR or AXA Premier, have no upper age limit). For insured travelers aged 70 or above, medical and personal accident benefit limits are usually reduced by 50%. If buying for senior family members or yourself:

Please see: Senior Travel Insurance Comparison & Age Limits.

8. Outbound Travel Alerts (OTA) and Insurance Coverage

If the Hong Kong Security Bureau issues a Red or Black Outbound Travel Alert before you buy your policy, losses related to that alert are generally excluded. To understand compensation differences between Amber, Red, and Black alerts:

Please see: Guide to Outbound Travel Alerts (OTA) and Travel Insurance Claims.

Overseas Medical Benefit

A minimum limit of HK$500,000 is recommended for Asia trips, and HK$1,000,000+ for long-haul or US/Europe trips. Emergency medical evacuation coverage is equally vital - air ambulance repatriation back to Hong Kong can easily exceed HK$300,000.

Trip Cancellation Coverage

Base your sum insured on the total non-refundable prepaid costs for flights, hotels, and activities. HK$20,000–HK$30,000 is generally sufficient for short-haul trips.

Baggage and Personal Belongings Coverage

Pay close attention to single-item caps on items like mobile phones, cameras, or laptops (typically HK$2,000–HK$3,000 per item), rather than just the overall sum insured.

High-Risk Sports Coverage

Check policy terms for exclusions and altitude/depth limits on activities like skiing, scuba diving, skydiving, or hot air ballooning.

Age Limits

Upper entry age limits generally range between 70 and 85 years old, and medical benefit caps are often reduced by 50% for travelers aged 70+.

Geographical Scope

Regional plans (e.g., Asia) may exclude the Middle East or South America. Worldwide plans have higher premiums but offer comprehensive global coverage.

Single-Trip vs. Annual Travel Insurance: Which Is More Cost-Effective?

Rule of Thumb: If you take fewer than 3 trips a year, choose single-trip insurance. If you travel 3 or more times a year, an annual multi-trip plan is usually more economical.

Based on market averages, an Asian annual plan costs around HK$1,000 - HK$1,500, equivalent to purchasing 5 - 6 single-trip plans for 10-day trips. If you take long holidays to Japan or Korea and also make regular weekend trips to Shenzhen or Macau, an annual plan covers short 1-2 day weekend getaways automatically.

Core Differences

Feature	Single-Trip Insurance	Annual Multi-Trip Insurance
Max Duration Per Trip	Up to 180 days	Typically capped at 60–90 days
Max Entry Age	Average 75–85 years old (or no limit on select plans)	Average 70–75 years old (renewable up to 75–80)
Flexibility	Selected per trip (Asia vs. Worldwide)	Usually valid worldwide or regionally for all trips

For frequent business travelers or spontaneous weekend getaways, the convenience of not having to apply before every trip makes annual plans very attractive.

Do Travel Insurance Policies Cover Typhoons and Natural Disasters?

Core Principle: Purchase timing is a key factor in claim eligibility. If you buy insurance before a typhoon signal is hoisted by the Observatory or before an earthquake/tsunami strikes your destination, claims for flight cancellations, delays, accommodation losses, or trip curtailment resulting from the event are covered. However, if you purchase policy after a "known event" has occurred, claims related to that event will usually be rejected.

Standard Coverage Categories

Trip Cancellation: Reimburses prepaid, non-refundable costs if an Outbound Travel Alert or natural disaster forces you to cancel before departure.
Travel Delay: Provides cash allowances for delays starting from 5-6 hours (e.g., HK$250–HK$300 for every 5–6 hours of delay).
Trip Curtailment: Reimburses unused trip losses and additional transport fees if you must cut your trip short and return to Hong Kong due to a natural disaster.

Pro Tip: Buy travel insurance immediately after booking flights and hotels. Do not wait until the day before departure!

Step 1

Document Immediately

Take photos/videos, and keep all receipts right after an incident occurs. For medical cases, keep original doctor diagnoses and prescriptions; for theft, report to local police within 24 hours to obtain a police report; for flight delays, obtain a delay confirmation letter from the airline.

Step 2

Notify the Insurer

Most policies require written notice within 24–48 hours. For emergency medical evacuation or hospitalization, you must contact the 24-hour assistance hotline first—unapproved evacuations may be declined.

Step 3

Submit Claims Within 21–30 Days

The standard claim submission limit is 21–30 days upon returning to Hong Kong (or up to 60 days on select policies); late submissions risk rejection.

Step 4

Prepare Complete Documents

Completed claim form, policy number, HKID copy, boarding passes/e-tickets, original receipts (not photocopies), police/airline reports, and medical reports.

Step 5

Track Progress

Claims are typically processed within 14–30 business days. If a claim is rejected, you can submit a written request for review or file a complaint with the Insurance Authority if a dispute arises.

Frequently Asked Questions

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.
Can I buy Hong Kong travel insurance online after I have already departed?: No. Policies must be purchased prior to passing through Hong Kong immigration and departing the SAR.
How does Outbound Travel Alert (OTA) protection work?: If the HK Security Bureau issues a Black or Red Travel Alert for your destination before or during your trip, policies with OTA extensions reimburse non-refundable canceled bookings.
Does travel insurance cover mobile phone theft?: Yes, most top-tier plans (such as STARR TraveLead Supreme or Allianz Gold) cover mobile device theft, robbery, or burglary, provided you file a local police report within 24 hours.

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Travel Insurance 2026: Compare 70+ Premium, Offers & Coverage at a Glance

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