Travel Insurance Hong Kong 2026: Compare +70 travel insurance and enjoy exclusive discount at MoneySmart
Compare single-trip and annual travel insurance in Hong Kong at MoneySmart! Find out different travel insurance plans' coverage including natural disasters (e.g. earthquake, tsunami), flight delay, trip cancellation, etc. Enjoy exclusive discount and gifts when you purchase selected travel insurance via MoneySmart!
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We found 40 Insurance Plans for you!
【Your Travel Hack Wins a Lounge Pass 💡】
From June 1 to June 14, customers who successfully purchase a designated Travel Insurance Plan via MoneySmart with a minimum premium of HK$150 per policy, with policy effective on or before June 21, and answer a creative question via the claim form:“What’s your survival tip when travelling with elderly family members?”. The 20 most practical and creative entries will be selected as winners and stand a chance to win a Plaza Premium Lounge Pass for Two (Value: HK$1,170)!
🎁 [All Customers] AIRSIM HK$20 Travel SIM Prepaid Card + AIRSIMe eSIM^ AND HK$100 Trip.com flight promo code ^^
Valid till 14 Jun 2026
【Your Travel Hack Wins a Lounge Pass 💡】
From June 1 to June 14, customers who successfully purchase a designated Travel Insurance Plan via MoneySmart with a minimum premium of HK$150 per policy, with policy effective on or before June 21, and answer a creative question via the claim form:“What’s your survival tip when travelling with elderly family members?”. The 20 most practical and creative entries will be selected as winners and stand a chance to win a Plaza Premium Lounge Pass for Two (Value: HK$1,170)!
🎁 [All Customers] AIRSIM HK$20 Travel SIM Prepaid Card + AIRSIMe eSIM^ AND HK$100 Trip.com flight promo code ^^
Valid till 14 Jun 2026
【AXA Exclusive Offer】
Purchase AXA travel insurance products via MoneySmart to enjoy 20% off discount
Valid till 22 Jun 2026
【Your Travel Hack Wins a Lounge Pass 💡】
From June 1 to June 14, customers who successfully purchase a designated Travel Insurance Plan via MoneySmart with a minimum premium of HK$150 per policy, with policy effective on or before June 21, and answer a creative question via the claim form:“What’s your survival tip when travelling with elderly family members?”. The 20 most practical and creative entries will be selected as winners and stand a chance to win a Plaza Premium Lounge Pass for Two (Value: HK$1,170)!
🎁 [All Customers] AIRSIM HK$20 Travel SIM Prepaid Card + AIRSIMe eSIM^ AND HK$100 Trip.com flight promo code ^^
Valid till 14 Jun 2026
【MoneySmart x Hong Leong Insurance May Exclusive Offer】
💰 Enjoy an extra HK$20 off your Hong Leong Travel (Single) Insurance premium with promo code "HLIAMS20"!
From 18 May to 21 June, customers who successfully purchase Hong Leong Single-Trip Travel Insurance via MoneySmart (with net premium of HK$250 or above per policy) and submit the reward redemption form will receive a HK$50 Wellcome supermarket e-Voucher!
🎁 [All Customers] also get an additional HK$100 Trip.com flight promo code ^^
Valid till 21 Jun 2026
【MoneySmart Offer】
Purchase Bluecross travel insurance product via MoneySmart to enjoy 20% off discount (for Single Trip Travel products only)
Valid till 31 Dec 2026
From 1 Jan – 30 June 2026, enjoy 25% off premiums with Dah Sing Insurance — secure more, spend less!
Valid till 30 Jun 2026
【MSIG Limited Time Offer】
Apply on or before 30 June 2026 to enjoy premium discount and the following rewards:
Enjoy 45% off with promo code "MSMART" (for Single Trip Travel products)
Enjoy 35% off with “MSMART” promo code (for Annual Trip Travel products)
MSIG Easy Lounge Service (Complimentary airport lounge access when flight delay)
Overseas Medical Teleconsultation benefit
Or Enter Cathay membership no. to earn Asia Miles:
HK$3 net premium spent = 1 Asia Mile
Valid till 30 Jun 2026
【Your Travel Hack Wins a Lounge Pass 💡】
From June 1 to June 14, customers who successfully purchase a designated Travel Insurance Plan via MoneySmart with a minimum premium of HK$150 per policy, with policy effective on or before June 21, and answer a creative question via the claim form:“What’s your survival tip when travelling with elderly family members?”. The 20 most practical and creative entries will be selected as winners and stand a chance to win a Plaza Premium Lounge Pass for Two (Value: HK$1,170)!
🎁 [All Customers] AIRSIM HK$20 Travel SIM Prepaid Card + AIRSIMe eSIM^ AND HK$100 Trip.com flight promo code ^^
Valid till 14 Jun 2026
【MoneySmart Offer】
Purchase Bluecross travel insurance product via MoneySmart to enjoy 20% off discount (for Single Trip Travel products only)
Valid till 31 Dec 2026
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From 1 Jan – 30 June 2026, enjoy 25% off premiums with Dah Sing Insurance — secure more, spend less!
Valid till 30 Jun 2026
【Your Travel Hack Wins a Lounge Pass 💡】
From June 1 to June 14, customers who successfully purchase a designated Travel Insurance Plan via MoneySmart with a minimum premium of HK$150 per policy, with policy effective on or before June 21, and answer a creative question via the claim form:“What’s your survival tip when travelling with elderly family members?”. The 20 most practical and creative entries will be selected as winners and stand a chance to win a Plaza Premium Lounge Pass for Two (Value: HK$1,170)!
🎁 [All Customers] AIRSIM HK$20 Travel SIM Prepaid Card + AIRSIMe eSIM^ AND HK$100 Trip.com flight promo code ^^
Valid till 14 Jun 2026
【MoneySmart x Hong Leong Insurance May Exclusive Offer】
💰 Enjoy an extra HK$20 off your Hong Leong Travel (Single) Insurance premium with promo code "HLIAMS20"!
From 18 May to 21 June, customers who successfully purchase Hong Leong Single-Trip Travel Insurance via MoneySmart (with net premium of HK$250 or above per policy) and submit the reward redemption form will receive a HK$50 Wellcome supermarket e-Voucher!
🎁 [All Customers] also get an additional HK$100 Trip.com flight promo code ^^
Valid till 21 Jun 2026
【AXA Exclusive Offer】
Purchase AXA travel insurance products via MoneySmart to enjoy 20% off discount
Valid till 22 Jun 2026
【MSIG Limited Time Offer】
Apply on or before 30 June 2026 to enjoy premium discount and the following rewards:
Enjoy 45% off with promo code "MSMART" (for Single Trip Travel products)
Enjoy 35% off with “MSMART” promo code (for Annual Trip Travel products)
MSIG Easy Lounge Service (Complimentary airport lounge access when flight delay)
Overseas Medical Teleconsultation benefit
Or Enter Cathay membership no. to earn Asia Miles:
HK$3 net premium spent = 1 Asia Mile
Valid till 30 Jun 2026
【Your Travel Hack Wins a Lounge Pass 💡】
From June 1 to June 14, customers who successfully purchase a designated Travel Insurance Plan via MoneySmart with a minimum premium of HK$150 per policy, with policy effective on or before June 21, and answer a creative question via the claim form:“What’s your survival tip when travelling with elderly family members?”. The 20 most practical and creative entries will be selected as winners and stand a chance to win a Plaza Premium Lounge Pass for Two (Value: HK$1,170)!
🎁 [All Customers] AIRSIM HK$20 Travel SIM Prepaid Card + AIRSIMe eSIM^ AND HK$100 Trip.com flight promo code ^^
Valid till 14 Jun 2026
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. For any discrepancy in product information, please refer to the financial institution’s website for the most updated version. 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.
Best Travel Insurance in Hong Kong
| Top travel insurance plans | Premium as low as* | Coverage |
|---|---|---|
| Top travel insurance plansAllianz Travel - Gold Plan | Premium as low as*$145.2 | Coverage
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| Top travel insurance plansAllianz Travel - Silver Plan | Premium as low as*$111.6 | Coverage
|
| Top travel insurance plansAXA SmartTraveller Plus Premier Plan | Premium as low as*$169.5 | Coverage
|
| Top travel insurance plansGenerali Bravo Travel Protector - Classic Plan | Premium as low as*$175.7 | Coverage
|
| Top travel insurance plansAvo Worldwide Restful Travel Protection - Lite Plan | Premium as low as*HK$125.3 | Coverage
|
| Top travel insurance plans | Premium as low as* | Coverage*based on a 5-day trip to Japan. All coverages are subject to policy terms and conditions |
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
Loss of baggage and personal items
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.
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.
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
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.
What Customers are Saying About Our Travel Insurance Applications (From Google Reviews)
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Review by Leslie HK
How to Choose the Right Travel Insurance in Hong Kong
Choosing the right travel insurance plan depends on how often you travel, who you travel with, and what activities you enjoy. With so many plans available in Hong Kong, a structured approach helps narrow down your best options.
Single Trip vs Annual Coverage
If you travel occasionally, a single-trip plan is usually enough. Frequent travellers may benefit more from annual travel insurance which cover unlimited trips for 12 months and simplify renewals.
Match Coverage to Your Trip Type
- Family holidays: Look for family discounts and child coverage. AXA SmartTraveller Plus and Starr TraveLead both include free child coverage in family packages.
- Adventure trips: Verify that your insurer covers your planned activities, such as skiing, scuba diving, or hiking.
Check Add-ons and Upgrades
Add-ons like gadget protection, rental car coverage, or cruise trip cover can enhance convenience. Always confirm if medical follow-up in Hong Kong is included.
Compare Claim Channels and Support
Ensure your insurer has 24-hour assistance and digital claim options. Many major insurers provide online claim submissions and hotlines.
How to Make a Travel Insurance Claim
Report the Incident and Collect Proof
Report incidents immediately. For lost items or theft, file a police report within 24 hours. For delayed flights or cancellations, request an official delay confirmation from your airline. Keep all receipts for accommodation or meal costs — these are needed for reimbursement.
Gather Required Documents
- Completed claim form Boarding passes or e-tickets
- Police report (for theft or loss)
- Medical report and invoices (for illness or injury)
- Receipts for replacement items or extra transport costs
Submit Claim Forms Online
Most major insurers accept online submissions on their websites or apps.
Track and Follow Up
After submission, use your case number to check progress online or via hotline. If extra documents are needed, respond promptly. Insurance companies typically process claims within 10–14 working days once documents are complete, depending on the complexity of the situation.
Keep Digital and Physical Copies
Keep scanned copies of all claim documents, receipts, and communications. These help if you need to appeal or provide clarifications later.
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.