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We can't find plans that best match what you're looking for. Please change your criteria and try again.Disclaimer: At MoneySmart.hk, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.
| Insurance Provider | Travel Insurance Plan | Highlighted Coverage |
|---|---|---|
| Hang Seng | Hang Seng Single Trip Travel Insurance | Covers mobile phone damage or loss |
| Zurich | Zurich Get "Z" Go Travel Insurance Supreme Plan | Protection without age limit |
| HSBC | HSBC TravelSurance | Express claims approval service |
| AXA | AXA SmartTraveller | Free cover for children |
| MSIG | MSIG iTravel Plus (Single Trip) | Black travel alert coverage for accommodation and transportation expenses |
| BOC | BOC Universal Smart Travel Insurance Plan | Protection for Dangerous Activities, including parachuting, diving and more |
| AIA | AIA iTravel Protect | No cover restrictions on the depth of dives or altitude of hikes for leisure |
| Hong Leong | Hong Leong Travel Insurance | Full terrorism cover |
| DBS | DBS TravellerShield Insurance | Coverage of home contents while you travel |
| Blue Cross | Blue Cross Travel Smart | Unlimited number of insured children for Family Insurance plan |
| Prudential | Prudential PRUChoice Travel | Popular activities like scuba diving, skiing or participating in marathon for leisure are covered |
| STARR | STARR TraveLead Travel Insurance | Trip cancellation and curtailment coverage for outbound travel alert (including amber alert) |
| FWD | FWD TravelCare Insurance Plan | Cover for loss of mobile phone for all plans |
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:
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:
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.
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.
Many travel insurance providers offer discount promotions to customers, all you have to do is just purchase through their website and apply a designated promo code. Take Hang Seng Travel Insurance as an example, Hang Seng customers can get up to 25% and 30% discount for single and annual plans. For Blue Cross, SmartClub members and enjoy 40% off and get a FoodPanda HK$50 e-voucher upon successful purchase online. Make sure to check MoneySmart for the best deals before purchasing and get exclusive offers!
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!
Travel insurance is very common in Hong Kong and most people have their preferred way to get insured before they fly out. One of the most traditional ways to buy travel insurance is via ATM machines or via banks directly. Another traditional channel is to buy directly from the insurance company or through brokers. Some travel suppliers such as travel agencies, airlines or wifi egg providers may provide such add-on service. Airline & hotel comparison websites will also provide complimentary or discounted travel insurance when you shop with them. Although the travel insurance options are rather limited, this kind of bundle deal can both save you time and cost. To compare all travel plans at a glance, you can get travel insurance via insurance comparison sites such as MoneySmart. The insurance comparison site can give you a single view of all available travel insurance from different providers. What’s better, you may even get an additional discount or offers when purchasing insurance from the comparison site.
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.
When you buy travel insurance you can choose from two types of policies - Single Trip or Annual Trip coverage.
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.
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.
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!
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.
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 & 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.
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.
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.
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.
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.
Comparing travel insurance from different websites can be exhausting and complicated, which is why MoneySmart’s free compare 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.