It’s better to be safe than sorry – travel insurance in Hong Kong lets you fly around the world stress-free.
We trust you’re familiar with this year’s public holidays in Hong Kong. While you’re browsing for the hottest deals on booking sites and exchanging currencies for your next vacay, don’t forget to secure your trip with a reliable insurance company! The only thing worse than holiday accidents is being uninsured. To make your trip-planning easier, we’ve rounded up the best travel insurance in Hong Kong.
Reliable travel insurance in Hong Kong to keep your holiday anxieties at bay
1. AXA
As one of Hong Kong’s most popular travel insurance providers, AXA offers five packages for travellers to choose from. While all plans are available on a trip-by-trip basis, frequent flyers can opt for the annual plan for a better deal. Each plan is divided into three categories: Standard, Premier, and Privilege. Simply put, the more you pay, the more benefits per plan you get! Here’s a breakdown of AXA travel insurance plans:
- The Overseas Medical Expenses: Up to $1 million medical claims for illness and accidental injuries
- Baggage and Personal Effects: Up to $15,000 for accidental loss or damage
- Travel Inconvenience: Up to $10,000 for delays of six hours or more
- Family Trip: Children under 18 travelling with parents on the same trip enjoys free coverage
- Sports Coverage: Cover for sports and recreational activities on your trip
AXA has several service centres in Hong Kong.
2. Blue Cross
Be a smart traveller with Blue Cross’ travel insurance! Not only will you get medical and accident coverage of up to $1.2 million, but Blue Cross’ Travel Smart plan also lets you claim medical expenses for follow-up treatments within 90 days of returning to Hong Kong. Choose between Single-trip, Multi-trip, and Annual Cover depending on your travelling schedule. In addition to medical benefits, Travel Smart also offers the following benefits:
- Covers accidental loss of or damage to baggage and personal effects
- Covers additional accommodation and meal expenses for overbooked flights
- 24-hour worldwide emergency aid services
- Leisure and non-professional sports activities
- Covers trip cancellation due to school interviews or public examinations being rescheduled to a date within the travel period
Blue Cross, 54/F, Hopewell Centre, 183 Queen’s Road East, Wan Chai, Hong Kong, p. 2839 6333
3. HSBC
With HSBC’s Travel insurance, you’ll get comprehensive coverage for your holiday. This all-in-one TravelSurance covers accidental injuries, medical and hospital expenses, lost baggage and cast, delayed flights, and more. Frequent travellers can also opt for the MultiTrip TravelSurance to save time for re-applications. What’s more, apply before 2 February to enjoy exclusive discounts of up to 40% off on your chosen plan! Here are some highlights of TravelSurance:
- Emergency coverage: Up to $2 million for personal accidents and $5 million for medical expenses
- Designated loss coverage: Including adverse weather conditions, strikes, terrorism, and natural disasters
- Coverage for all ages: Adults and children alike will enjoy full benefits of the plan
- Mobile coverage: Up to $6,000 for your mobile phone
HSBC has multiple branches across Hong Kong.
4. Allianz Travel Insurance
This US insurance company offers wallet-friendly plans that are perfect for budget travellers. Allianz’s travel insurance coverage starts at $53 for a five-day trip in Asia and $92 for a seven-day trip to Australia and Europe. You’ll get up to $40,000 coverage for ticket cancellations as well as up to $2 million for medical expenses. If your phone gets stolen during your trip, you’ll also get coverage for the loss. In addition, Allianz has taken any travel and baggage delay into account, offering allowances to minimise your inconvenience.
Learn more about Allianz Travel online.
5. Zurich
Another popular option, Zurich’s travel insurance offers four coverage plans that cater to a diverse array of travel needs. The Breezy Travel Insurance Plan gives the usual coverage for accidents, damages, and medical emergencies occurring during your trip. And if you’re planning a trip to Shenzhen or elsewhere in the Greater Bay Area, the GBA Go! plan provides customisable coverage areas on top of benefits available to Breezy Travel plan members. In particular, Zurich has designed travel insurance plans for those studying abroad or travelling for a working holiday, too. Here’s a brief overview of each plan:
- StudySmart+ Overseas: Personal accident and liability protection, delays, cancellation, and interruption coverage, emergency assistance, and more
- Live2Play Working Holiday: Medical coverage, emergency assistance, personal accidents and liability protection, compassionate visit, and more
Zurich, 25-26/F, One Island East, 18 Westlands Road, Quarry Bay, Hong Kong, p. 2968 2222
6. AIG
Roam safely with AIG’s budget-friendly TravelWise insurance plan. With flexible options starting at only $13.60, AIG offers some of the best value-for-money travel insurance in Hong Kong. You’ll get access to AIG’s full-time medical team with its 24/7 emergency services, as well as travel assistance with replacing lost documents, phone call translations, and rebooking return travel. In addition, you can claim up to $1 million for emergency medical expenses and $1.2 million for personal accidents. You’ll even get coverage for damaged or lost personal property, trip cancellations and delays, credit card protection, and more.
AIG, 7/F, One Island East,18 Westlands Road, Quarry Bay,Hong Kong, p. 3555 0000
7. FWD
FWD’s MyTravel Insurance offers the usual coverage for personal belongings, overseas medical expenses, and allowances for any delays and cancellations. However, what makes this plan stand out is its coverage for rescheduling and cancelling before your trip. With FWD’s travel insurance, you can cancel your trip for predicted natural disasters or conflicts in your destination location, and get reimbursed for up to 50% of flights and accommodation charges. Additionally, travelling pet owners can get reimbursed up to 50% of travel expenses should you need to cancel your trip early due to a veterinary emergency at home.
FWD has Insurance Solutions Centres in Quarry Bay and Tsim Sha Tsui.
