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Travel Insurance Hong Kong 2025: Compare 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! Read More
Traveling to Japan 11 Jul 2025 - 15 Jul 2025
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We found 44 Travel Insurances for you!
Last Updated
Allianz Travel - Silver Plan (Single Trip)

Premium

HK$109.80

40% OffHK$183
MoneySmart Exclusive

Allianz Travel - Silver Plan (Single Trip)

Medical Expenses
HK$1,500,000
Travel Cancellation
HK$20,000
Loss/Damage of Baggage
HK$15,000
Premium
HK$18340% Off
HK$109.80

【⏳MoneySmart Big Giveaway 70,000 Miles🔥】
From 7 July to 27 July 2025, get up to 14000 Asia Miles, Airtag, and other rewards, including:

[For all purchase] Birdie 1st month Unlimited Local Data and Voice Minutes Monthly Plan (valued at HK$200)
[For all purchase] Bowtie 7 months VHIS Premium Waiver
[For all purchase] Tada $68 OFF Ride Voucher

[Min Spend $150] Stand a chance to win Apple AirTag x1 (valued at HK$239)
[Min Spend $150] Share your upcoming Summer Trip for a chance to win 14,000 or 7,000 Asia Miles, enough for a one-way ticket to Taipei or even two ‼️ (redeemable with 14,000 or 28,000 SmartPoints)

Valid until 27 Jul 2025 - See more details below
Apply Now
Apply Now
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STARR Companies TraveLead Extra Plan

Premium

HK$114.40

35% OffHK$176
MoneySmart Exclusive
35% off Promo code "MSHK35"

STARR Companies TraveLead Extra Plan

Medical Coverage (Overseas)
HK$1,000,000
Trip Cancellation
HK$25,000
Loss/Damage of Baggage
HK$10,000
Premium
HK$17635% Off
HK$114.40

【⏳MoneySmart Big Giveaway 70,000 Miles🔥】
From 7 July to 27 July 2025, get up to 14000 Asia Miles, Airtag, and other rewards, including:

[For all purchase] Birdie 1st month Unlimited Local Data and Voice Minutes Monthly Plan (valued at HK$200)
[For all purchase] Bowtie 7 months VHIS Premium Waiver
[For all purchase] Tada $68 OFF Ride Voucher

[Min Spend $150] Stand a chance to win Apple AirTag x1 (valued at HK$239)
[Min Spend $150] Share your upcoming Summer Trip for a chance to win 14,000 or 7,000 Asia Miles, enough for a one-way ticket to Taipei or even two ‼️ (redeemable with 14,000 or 28,000 SmartPoints)

Valid until 27 Jul 2025 - See more details below
Apply Now
Apply Now
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FWD | MyTravel Insurance - Premium

Premium

HK$150.50

30% OffHK$215
MoneySmart Exclusive

FWD | MyTravel Insurance - Premium

Medical Expenses
HK$1,000,000
Trip Cancellation
HK$25,000
Loss/Damage of Baggage
HK$10,000
Premium
HK$21530% Off
HK$150.50

【⏳MoneySmart Big Giveaway 70,000 Miles🔥】
From 7 July to 27 July 2025, get up to 14000 Asia Miles, Airtag, and other rewards, including:

[For all purchase] Birdie 1st month Unlimited Local Data and Voice Minutes Monthly Plan (valued at HK$200)
[For all purchase] Bowtie 7 months VHIS Premium Waiver
[For all purchase] Tada $68 OFF Ride Voucher

[Min Spend $150] Stand a chance to win Apple AirTag x1 (valued at HK$239)
[Min Spend $150] Share your upcoming Summer Trip for a chance to win 14,000 or 7,000 Asia Miles, enough for a one-way ticket to Taipei or even two ‼️ (redeemable with 14,000 or 28,000 SmartPoints)

Valid until 27 Jul 2025 - See more details below
Apply Now
AXA SmartTraveller Plus Premier Plan

Premium

HK$146.90

35% OffHK$226
MoneySmart Exclusive

AXA SmartTraveller Plus Premier Plan

Medical Expenses
HK$500,000
Trip Cancellation
HK$25,000
Loss/Damage of Baggage
HK$8,000
Premium
HK$22635% Off
HK$146.90

【⏳MoneySmart Big Giveaway 70,000 Miles🔥】
From 7 July to 27 July 2025, get up to 14,000 miles, and other rewards, including:

[For all purchase] Birdie 1st month Unlimited Local Data and Voice Minutes Monthly Plan (valued at HK$200)
[For all purchase] Bowtie 7 months VHIS Premium Waiver
[For all purchase] Tada $68 OFF Ride Voucher

[Min Spend $150] Share your upcoming Summer Trip for a chance to win 14,000 or 7,000 Asia Miles, enough for a one-way ticket to Taipei or even two ‼️ (redeemable with 14,000 or 28,000 SmartPoints)

Valid until 27 Jul 2025 - See more details below
Apply Now
Apply Now
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Dah Sing Insurance JourneySure Travel Insurance - Diamond

Premium

HK$177.80

30% OffHK$254
MoneySmart Exclusive
Promo code: 'MS25Q3'

Dah Sing Insurance JourneySure Travel Insurance - Diamond

Medical Expenses
HK$1,000,000
Trip Cancellation
HK$50,000
Loss/Damage of Baggage
HK$20,000
Premium
HK$25430% Off
HK$177.80

Get a 30% premium discount with promo code 'MS25Q3'!



【⏳MoneySmart Big Giveaway 70,000 Miles🔥】
From 7 July to 27 July 2025, get up to 14,000 miles, and other rewards, including:

[For all purchase] Birdie 1st month Unlimited Local Data and Voice Minutes Monthly Plan (valued at HK$200)
[For all purchase] Bowtie 7 months VHIS Premium Waiver
[For all purchase] Tada $68 OFF Ride Voucher

[Min Spend $150] Share your upcoming Summer Trip for a chance to win 14,000 or 7,000 Asia Miles, enough for a one-way ticket to Taipei or even two ‼️ (redeemable with 14,000 or 28,000 SmartPoints)

Valid until 27 Jul 2025 - See more details below
Apply Now
Prudential PRUChoice Travel Single Trip - Asia & Specific Islands

Premium

HK$164.50

30% OffHK$235
MoneySmart Exclusive

Prudential PRUChoice Travel Single Trip - Asia & Specific Islands

Overseas Medical Expenses
HK$1,200,000
Trip Cancellation
HK$30,000
Loss/Damage of Baggage and Personal Effects
HK$20,000
Premium
HK$23530% Off
HK$164.50
From 7 July till 20 July 2025, Customers who purchase a PRUChoice Travel policy will enjoy 30% off the first-year premium + 
stand a chance to win 2 tickets to the T.Lam concert (valued at HK$1,080 each). 
Valid until 20 Jul 2025 - See more details below
Apply Now
Avo Worldwide Restful Travel Protection - Lite Plan (Area 2)

Premium

HK$125.30

30% OffHK$179
MoneySmart Exclusive
Sponsor

Avo Worldwide Restful Travel Protection - Lite Plan (Area 2)

Medical Expenses
HK$500,000
Travel Cancellation
HK$30,000
Loss/Damage of Baggage
HK$7,500
Premium
HK$17930% Off
HK$125.30

【⏳MoneySmart Big Giveaway 70,000 Miles🔥】
From 7 July to 27 July 2025, get up to 14,000 miles, and other rewards, including:

[For all purchase] Birdie 1st month Unlimited Local Data and Voice Minutes Monthly Plan (valued at HK$200)
[For all purchase] Bowtie 7 months VHIS Premium Waiver
[For all purchase] Tada $68 OFF Ride Voucher

[Min Spend $150] Share your upcoming Summer Trip for a chance to win 14,000 or 7,000 Asia Miles, enough for a one-way ticket to Taipei or even two ‼️ (redeemable with 14,000 or 28,000 SmartPoints)

Valid until 27 Jul 2025 - See more details below
Apply Now
MSIG iTravel Plus (Single Trip) Plan B

Premium

HK$158.95

45% OffHK$289
MoneySmart Exclusive

MSIG iTravel Plus (Single Trip) Plan B

Medical Expenses
HK$500,000
Trip Cancellation
HK$25,000
Loss/Damage of Baggage
HK$15,000
Premium
HK$28945% Off
HK$158.95
【MSIG Limited Time Offer】
Apply on or before 31 July 2025 to enjoy premium discount and the following rewards:
  • Enjoy 45% off with promo code "MSIG10" (for Single Trip Travel products)
  • Enjoy 35% off with “MSIG15” 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 until 31 Jul 2025 - See more details below
Apply Now
STARR Companies TraveLead Supreme Plan

Premium

HK$163.15

35% OffHK$251
MoneySmart Exclusive
65% off Promo code "MSHK35"

STARR Companies TraveLead Supreme Plan

Medical Coverage (Overseas)
HK$1,500,000
Trip Cancellation
HK$50,000
Loss/Damage of Baggage
HK$20,000
Premium
HK$25135% Off
HK$163.15

【⏳MoneySmart Big Giveaway 70,000 Miles🔥】
From 7 July to 27 July 2025, get up to 14000 Asia Miles, Airtag, and other rewards, including:

[For all purchase] Birdie 1st month Unlimited Local Data and Voice Minutes Monthly Plan (valued at HK$200)
[For all purchase] Bowtie 7 months VHIS Premium Waiver
[For all purchase] Tada $68 OFF Ride Voucher

[Min Spend $150] Stand a chance to win Apple AirTag x1 (valued at HK$239)
[Min Spend $150] Share your upcoming Summer Trip for a chance to win 14,000 or 7,000 Asia Miles, enough for a one-way ticket to Taipei or even two ‼️ (redeemable with 14,000 or 28,000 SmartPoints)

Valid until 27 Jul 2025 - See more details below
Apply Now
Allianz Travel - Gold Plan (Single Trip)

Premium

HK$138

40% OffHK$230
MoneySmart Exclusive

Allianz Travel - Gold Plan (Single Trip)

Medical Expenses
HK$2,000,000
Travel Cancellation
HK$40,000
Loss/Damage of Baggage
HK$25,000
Premium
HK$23040% Off
HK$138

【⏳MoneySmart Big Giveaway 70,000 Miles🔥】
From 7 July to 27 July 2025, get up to 14000 Asia Miles, Airtag, and other rewards, including:

[For all purchase] Birdie 1st month Unlimited Local Data and Voice Minutes Monthly Plan (valued at HK$200)
[For all purchase] Bowtie 7 months VHIS Premium Waiver
[For all purchase] Tada $68 OFF Ride Voucher

[Min Spend $150] Stand a chance to win Apple AirTag x1 (valued at HK$239)
[Min Spend $150] Share your upcoming Summer Trip for a chance to win 14,000 or 7,000 Asia Miles, enough for a one-way ticket to Taipei or even two ‼️ (redeemable with 14,000 or 28,000 SmartPoints)

Valid until 27 Jul 2025 - See more details below
Apply Now
Apply Now
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Blue Cross TravelSafe Plus - Global Gold Plan (Single-plan Cover)

Premium

HK$168.30

15% OffHK$198
MoneySmart Exclusive

Blue Cross TravelSafe Plus - Global Gold Plan (Single-plan Cover)

Overseas Medical Expenses
HK$750,000
Trip Cancellation
HK$15,000
Loss/Damage of Baggage
HK$10,000
Premium
HK$19815% Off
HK$168.30

【⏳MoneySmart Big Giveaway 70,000 Miles🔥】
From 7 July to 27 July 2025, get up to 14000 Asia Miles, Airtag, and other rewards, including:

[For all purchase] Birdie 1st month Unlimited Local Data and Voice Minutes Monthly Plan (valued at HK$200)
[For all purchase] Bowtie 7 months VHIS Premium Waiver
[For all purchase] Tada $68 OFF Ride Voucher

[Min Spend $150] Stand a chance to win Apple AirTag x1 (valued at HK$239)
[Min Spend $150] Share your upcoming Summer Trip for a chance to win 14,000 or 7,000 Asia Miles, enough for a one-way ticket to Taipei or even two ‼️ (redeemable with 14,000 or 28,000 SmartPoints)

Valid until 27 Jul 2025 - See more details below
Apply Now
Blue Cross TravelSafe Plus - Global Diamond Plan (Single-plan Cover)

Premium

HK$236.30

15% OffHK$278
MoneySmart Exclusive

Blue Cross TravelSafe Plus - Global Diamond Plan (Single-plan Cover)

Overseas Medical Expenses
HK$1,500,000
Trip Cancellation
HK$50,000
Loss/Damage of Baggage
HK$20,000
Premium
HK$27815% Off
HK$236.30

【⏳MoneySmart Big Giveaway 70,000 Miles🔥】
From 7 July to 27 July 2025, get up to 14000 Asia Miles, Airtag, and other rewards, including:

[For all purchase] Birdie 1st month Unlimited Local Data and Voice Minutes Monthly Plan (valued at HK$200)
[For all purchase] Bowtie 7 months VHIS Premium Waiver
[For all purchase] Tada $68 OFF Ride Voucher

[Min Spend $150] Stand a chance to win Apple AirTag x1 (valued at HK$239)
[Min Spend $150] Share your upcoming Summer Trip for a chance to win 14,000 or 7,000 Asia Miles, enough for a one-way ticket to Taipei or even two ‼️ (redeemable with 14,000 or 28,000 SmartPoints)

Valid until 27 Jul 2025 - See more details below
Apply Now
Generali Bravo Travel Protector - Classic Plan

Premium

HK$175.70

30% OffHK$251

Generali Bravo Travel Protector - Classic Plan

Medical Expenses
HK$1,000,000
Trip Cancellation
HK$20,000
Loss/Damage of Baggage
HK$15,000
Premium
HK$25130% Off
HK$175.70
Apply Now
QBE Single Trip Travel Insurance - Silver

Premium

HK$137.70

15% OffHK$162
MoneySmart Exclusive

QBE Single Trip Travel Insurance - Silver

Overseas Medical Expenses
HK$500,000
Travel Cancellation
HK$20,000
Loss/Damage of Baggage
HK$20,000
Premium
HK$16215% Off
HK$137.70
Purchase any QBE Travel insurance plan via MoneySmart to enjoy 15% discount!
Valid until 03 Oct 2025 - See more details below
Apply Now
Zurich Get “Z” Go+ Travel Single Plan (Essential Plan)

Premium

HK$132

25% OffHK$176
Online Promo

Zurich Get “Z” Go+ Travel Single Plan (Essential Plan)

Accident Coverage
HK$500,000
Medical Coverage
HK$400,000
Personal Property Coverage
HK$3,000
Premium
HK$17625% Off
HK$132
Online Promo:
Use Promo Code "MSSINGLE25" when you apply for Zurich Get “Z” Go+ Travel insurance plan and enjoy 25% off on the first year's premium!
Valid until 02 Sep 2025 - See more details below
Apply Now
Dah Sing Insurance JourneySure Travel Insurance - Gold

Premium

HK$115.50

30% OffHK$165
MoneySmart Exclusive
Promo code: 'MS25Q3'

Dah Sing Insurance JourneySure Travel Insurance - Gold

Medical Expenses
HK$500,000
Travel Cancellation
HK$20,000
Loss/Damage of Baggage
HK$15,000
Premium
HK$16530% Off
HK$115.50

Get a 30% premium discount with promo code 'MS25Q3'!



【⏳MoneySmart Big Giveaway 70,000 Miles🔥】
From 7 July to 27 July 2025, get up to 14,000 miles, and other rewards, including:

[For all purchase] Birdie 1st month Unlimited Local Data and Voice Minutes Monthly Plan (valued at HK$200)
[For all purchase] Bowtie 7 months VHIS Premium Waiver
[For all purchase] Tada $68 OFF Ride Voucher

[Min Spend $150] Share your upcoming Summer Trip for a chance to win 14,000 or 7,000 Asia Miles, enough for a one-way ticket to Taipei or even two ‼️ (redeemable with 14,000 or 28,000 SmartPoints)

Valid until 27 Jul 2025 - See more details below
Apply Now
FWD | MyTravel Insurance - Economy

Premium

HK$105

30% OffHK$150
MoneySmart Exclusive

FWD | MyTravel Insurance - Economy

Medical Expenses
HK$500,000
Trip Cancellation
HK$0
Loss/Damage of Baggage
HK$0
Premium
HK$15030% Off
HK$105

【⏳MoneySmart Big Giveaway 70,000 Miles🔥】
From 7 July to 27 July 2025, get up to 14000 Asia Miles, Airtag, and other rewards, including:

[For all purchase] Birdie 1st month Unlimited Local Data and Voice Minutes Monthly Plan (valued at HK$200)
[For all purchase] Bowtie 7 months VHIS Premium Waiver
[For all purchase] Tada $68 OFF Ride Voucher

[Min Spend $150] Stand a chance to win Apple AirTag x1 (valued at HK$239)
[Min Spend $150] Share your upcoming Summer Trip for a chance to win 14,000 or 7,000 Asia Miles, enough for a one-way ticket to Taipei or even two ‼️ (redeemable with 14,000 or 28,000 SmartPoints)

Valid until 27 Jul 2025 - See more details below
Apply Now
AXA SmartTraveller Plus Standard Plan

Premium

HK$89.05

35% OffHK$137
MoneySmart Exclusive

AXA SmartTraveller Plus Standard Plan

Medical Expenses
HK$250,000
Trip Cancellation
HK$0
Loss/Damage of Baggage
HK$3,000
Premium
HK$13735% Off
HK$89.05

【⏳MoneySmart Big Giveaway 70,000 Miles🔥】
From 7 July to 27 July 2025, get up to 14,000 miles, and other rewards, including:

[For all purchase] Birdie 1st month Unlimited Local Data and Voice Minutes Monthly Plan (valued at HK$200)
[For all purchase] Bowtie 7 months VHIS Premium Waiver
[For all purchase] Tada $68 OFF Ride Voucher

[Min Spend $150] Share your upcoming Summer Trip for a chance to win 14,000 or 7,000 Asia Miles, enough for a one-way ticket to Taipei or even two ‼️ (redeemable with 14,000 or 28,000 SmartPoints)

Valid until 27 Jul 2025 - See more details below
Apply Now
Avo Worldwide Restful Travel Protection - Lite Plan (Area 1)

Premium

HK$107.80

30% OffHK$154
MoneySmart Exclusive
Sponsor

Avo Worldwide Restful Travel Protection - Lite Plan (Area 1)

Medical Expenses
HK$500,000
Travel Cancellation
HK$30,000
Loss/Damage of Baggage
HK$7,500
Premium
HK$15430% Off
HK$107.80

【⏳MoneySmart Big Giveaway 70,000 Miles🔥】
From 7 July to 27 July 2025, get up to 14,000 miles, and other rewards, including:

[For all purchase] Birdie 1st month Unlimited Local Data and Voice Minutes Monthly Plan (valued at HK$200)
[For all purchase] Bowtie 7 months VHIS Premium Waiver
[For all purchase] Tada $68 OFF Ride Voucher

[Min Spend $150] Share your upcoming Summer Trip for a chance to win 14,000 or 7,000 Asia Miles, enough for a one-way ticket to Taipei or even two ‼️ (redeemable with 14,000 or 28,000 SmartPoints)

Valid until 27 Jul 2025 - See more details below
Apply Now
BOCG Insurance Universal Voyage Travel Insurance - Gold Plan (Asia)

Premium

HK$177.60

20% OffHK$222
MoneySmart Exclusive

BOCG Insurance Universal Voyage Travel Insurance - Gold Plan (Asia)

Medical Coverage
HK$1,000,000
Trip Cancellation
HK$40,000
Loss/Damage of Baggage
HK$15,000
Premium
HK$22220% Off
HK$177.60

【⏳MoneySmart Big Giveaway 70,000 Miles🔥】
From 7 July to 27 July 2025, get up to 14,000 miles, and other rewards, including:

[For all purchase] Birdie 1st month Unlimited Local Data and Voice Minutes Monthly Plan (valued at HK$200)
[For all purchase] Bowtie 7 months VHIS Premium Waiver
[For all purchase] Tada $68 OFF Ride Voucher

[Min Spend $150] Share your upcoming Summer Trip for a chance to win 14,000 or 7,000 Asia Miles, enough for a one-way ticket to Taipei or even two ‼️ (redeemable with 14,000 or 28,000 SmartPoints)

Valid until 27 Jul 2025 - See more details below
Apply Now

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 plansPremium as low as*Coverage
Allianz Travel - Gold Plan$126
  • Covering theft of mobile device (up to HK$5,000)
    • Covering rental vehicle excess  (up to HK$5,000)
Allianz Travel - Silver Plan$99.64
  • 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$180.80
  • 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$195.30
  • No deductible for all coverage items
  • Covers for amateur sports including skiing and diving
Avo Worldwide Restful Travel Protection - Lite PlanHK$125.30
  • Cover the excess
  • Upgrade to cover pre-wedding photoshoot and wedding
Avo Worldwide Restful Travel Protection - Lite PlanHK$130.05
  • 24-hour worldwide emergency 
  • Medical expenses up to HK$500,000
Generali Bravo Travel Protector - Classic Plan$195.30
  • 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 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.

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 well-known 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.

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!

Common Travel Issues

Popular Travel Destinations

Everything you need to know about travel insurance

Tip 1

Excess

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.

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?

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, etc. For example, if you travel for pre-wedding shooting, Avo Worldwide Restful Travel Protection suits you the most as you can upgrade and get your pre-wedding photo covered. Therefore, 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 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.