Compare Travel Insurance Policies in Hong Kong

Travelling with peace of mind doesn’t have to be expensive. Find the best travel insurance policy in Hong Kong for your travel needs in minutes.

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Compare Travel Insurance in Hong Kong 2020

Insurance ProviderTravel Insurance Plan Highlighted Coverage
Hang SengHang Seng Single Trip Travel InsuranceCovers mobile phone damage or loss
ZurichZurich Get "Z" Go Travel Insurance Supreme PlanProtection without age limit
HSBCHSBC TravelSuranceExpress claims approval service
AXAAXA SmartTravellerFree cover for children
MSIGMSIG iTravel Plus (Single Trip)Black travel alert coverage for accommodation and transportation expenses
BOCBOC Universal Smart Travel Insurance PlanProtection for Dangerous Activities, including parachuting, diving and more
AIAAIA iTravel Protect No cover restrictions on the depth of dives or altitude of hikes for leisure
Hong LeongHong Leong Travel InsuranceFull terrorism cover
DBSDBS TravellerShield InsuranceCoverage of home contents while you travel
Blue Cross Blue Cross Travel SmartUnlimited number of insured children for Family Insurance plan
PrudentialPrudential PRUChoice TravelPopular activities like scuba diving, skiing or participating in marathon for leisure are covered
STARRSTARR TraveLead Travel InsuranceTrip cancellation and curtailment coverage for outbound travel alert (including amber alert)

How Do I Choose 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 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 usually cover?

Medical expenses

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

Trip cancellations and delay

Look for a policy that is able to compensate you for any cancellation, delay or other disruptions to your flight. 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 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 policy 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 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.

Tip #1

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.

Tip #2

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)!

Tip #3

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!

Travel Insurance Promotion

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!

Travel Insurance Recommendations 2020

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!

Frequently Asked Questions

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.

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.

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.

Can I buy Travel Insurance once I’m overseas?

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!