Travel Insurance Hong Kong 2024: Compare travel insurance and enjoy exclusive discount at MoneySmart

Compare single-trip and annual travel insurance in Hong Kong at MoneySmart! Find out travel coverage including flight delay, trip cancellation, overseas medical expenses, etc. Enjoy exclusive discount when you purchase travel insurance via MoneySmart! Read More
Traveling to Japan 15 Jun 2024 - 19 Jun 2024
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Best Travel Insurance in Hong Kong

Top travel insurance plansPremium as low as*Coverage
Allianz Travel - Silver Plan$99.64
  • Trip cancellation coverage up to HK$40,000
  • Covers the loss of frequent flyer points, air miles or loyalty card points due to trip cancellation
AXA SmartTraveller Plus Premier Plan$135.6
  • No upper age limit for single trip travellers
  • Covers for luggage and personal belongings
Dah Sing Insurance JourneySure Travel Insurance - Gold$123.75
  • Covers for outbound travel alerts
  • Covers for follow-up treatment for the same bodily injury or sickness (including Chinese medicine practitioners)
Generali Bravo Travel Protector - Classic Plan$188.25
  • No deductible for all coverage items
  • Covers for amateur sports including skiing and diving
*based on a 5-day trip to Japan. All coverages are subject to policy terms and conditions

Tips for Comparing Travel Insurance Policies

How to compare and find the best Travel Insurance? When choosing travel insurance plans for your holiday, the cheapest policy available is not always the best choice. Buying travel insurance based on your needs is essential, but here are several factors to consider depending on your priorities:

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.

Check the limits and excess

Most travel insurance cover has its own limits and requirements, take travel delay as an example, you can only get compensation if the delay meets the required numbers of hours in the travel insurance policy.

Some of the coverage items like rental vehicle protection usually require excess which is the amount you will need to pay before making a claim.

What does travel insurance from HK cover?

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. 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, 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.

COVID-19 protection

Various travel insurance offers COVID-19 protection which is vital during the coronavirus pandemic. COVID-19 cover ranges from emergency overseas medical expenses, journey cancellation and curtailment in relation to COVID-19, and quarantine allowance.

Exclusions in Travel Insurance

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

Making a Travel Insurance Claim

The process for specific types of claims may differ between Insurers. However, policies offered by popular insurers such as AXA, MSIG, FWD or AIG generally have similar Travel Insurance Claims procedures. Here are some things that you should take note of when making an insurance claim.

Fact #1

Do not wait too long

Most insurers will require you to make the claim within 30 days of the occurrence. Given that it will take some time to process your claim, you would want to submit your claim form as soon as possible.

Fact #2

Keep originals

Whatever you are choosing to make a claim for, you have to be able to prove its authenticity. This means showing proof of the following examples:

  • Receipts for lost or stolen items
  • Boarding pass for delayed flights
  • Booking Invoices from Travel sites for cancelled trips
  • Hospital or Doctor’s bills for medical claims
  • Police reports for theft

Fact #3

Get proof from external parties

Apart from your own documents, it’s extremely important to get written confirmation from external parties such as the airline you were flying on or the hotel you stayed at as proof of travel disruption, for instance. This will help to expedite the claims process.

Fact #4

Get insurer to accept medical claim

If you have encountered medical conditions overseas, when it’s not an emergency situation, make sure to call the insurance company and get them to accept the claim first, so then you will less likely get a rejected claim.

Fact #5

Call the police ASAP for theft

When your luggage or belongings are lost or stolen, you are required to contact local police within 24 hours after the theft takes place and get a written police report. Pay attention that unattended belongings may not be covered as it is considered as personal responsibility.

HK Travel Insurance Tips

Here are some Travel Insurance tips that can help you select a great policy and give you peace of mind when travelling out of Hong Kong.

Are flight delays always covered?

Check if you can make claims on flight delays that are caused by natural disasters, such as typhoons. You will not be covered if you did not purchase your plan before the typhoon signal is issued -- so buy coverage as soon as your trip is finalized.

How long can I get my claims back?

Did you know that in certain cases, you can make claims and get your money back within a few hours? For example, if you get MSIG travel insurance and rent a car in Japan, you could make a claim much faster (just a few hours)!

Are mobile devices covered?

A majority of travel insurance plans do not provide coverage on accidental loss of mobile devices. However, Hang Seng travel insurance and AXA travel insurance plans typically do!

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Travel Insurance Recommendations

Which travel insurance suits me the most?

There is no such thing as the best insurance policy but there is a policy that suits you the most. Get it now!

Everything you need to know about travel insurance

Tip 1


Your travel insurance policy may come with an excess amount, which is the specified amount deducted from any claims that are paid out.

Tip 2

Making a claim

If a situation arises during your journey, you are required to contact the relevant authority/ party- the police, airline, travel agency right away to report your situation. Insurers require evidence to support your claim. So please remember to keep the true copy of all the supporting evidence.

Tip 3

Lost phone cover

Many travel plans exclude phones from their coverage. So it is important to read the coverage before getting travel insurance.

How should I get insured?

You can simply buy travel insurance via ATM machines or banks, or buy directly from the insurance company or brokers.

Some travel suppliers such as travel agencies, airline companies and wifi egg providers may provide add-on travel insurance service. Airline and hotel comparison websites may also provide complimentary or discounted travel insurance when you book your flight or hotel on their platform. Although you may save some time and cost through such kind of bundle deal, the travel insurance options on those sites are usually rather limited. You may also not get the type of protection that specifically caters to your travel needs.

On MoneySmart, you can compare different travel insurance plans at one glance, from the types and amount of coverage to premiums. You can also easily choose the type of travel insurance that offers the protection you need for your trip. MoneySmart occasionally works with insurance companies to offer users exclusive discounts. Don't miss out!

How to compare travel insurance plans?

There are hundreds of travel insurance plans in the market and sometimes it can be overwhelming to choose the one you need. One may be tempted to go for the cheapest plan without considering the cover, which is not ideal. It is important to understand the potential risks for your upcoming trip such as medical treatment, flight delay, extreme sports coverage, personal items and baggage lost, etc. Once you have got a clear picture of what is needed, the travel insurance comparison site will usually do the rest by giving you a glance at all available insurance plans based on your requirements. Before you make your final decision, you can also consider the reputation of the travel insurance provider such as their customer service or the claim experience.

Frequently Asked Questions

What benefits can I get when applying for travel insurance on MoneySmart?

MoneySmart helps you compare 35+ 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!😉

What are the latest travel insurance deals on MoneySmart?

We are currently running our 6th anniversary mega campaign which you can enjoy up to 40% off on selected travel insurance plans, get HK$50 YATA/ParkNShop voucher and earn 300 SmartPoints on selected days!

Where to get travel insurance in Hong Kong?

You can get your travel insurance in Hong Kong via MoneySmart! Comparing travel insurance from different websites can be exhausting and complicated, which is why MoneySmart’s free travel insurance comparison tool can come in handy. MoneySmart allows you to have a single view of all available travel insurance from different providers. 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?

Travel insurance is a relatively simple insurance product. 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. Compare Travel Insurance Plans on MoneySmart for free and find the one with the best price and coverage level for you!

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 suites your travel style. For example, if you want to be covered for driving or participating in hazardous amateur sports and activities while traveling, you need to pay for extra in addition to basic coverage. To help you get the right plan, MoneySmart has compared the policy in the market for you to make an informed decision.

Should I buy travel insurance if I study abroad or go on a working holiday?

No. When comparing with working holiday insurance, the coverage provided by travel insurance is insufficient for people who are studying abroad or going on a working holiday. 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 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 travelling 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, especially under the pandemic. 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.