Travel insurance helps reduce the financial burden that could be ours if we suffer from some unexpected accidents or mishaps during our travels.
Various forms exist, such as:
Trip Travel: to cover your specific journey which can be either a return or one way journey. When it comes to one way travel however, few insurers permit a trip that takes over a week;
Annual Travel: which allows for repeated trips throughout the year, normally with a limit of 90 days per trip;
Student Travel: provides additional cover such as reimbursement of fees if study is interrupted, plus cover for personal belongings and kidnap expenses;
Extreme Sports / Adventure Travel: These cover such things as paragliding and rock climbing, trips to Antarctica and medical evacuation from ships and icebergs.
Needless to say, you will not be covered for pre-existing conditions although some insurers may not regard a medical condition as pre-existing if it is under control.
Depending on the insurer and plan, “Travels” may begin:
when after we have departed from our home country, or
departed from our home for the airport
Likewise, depending on the insurer and plan, “Travels” may end on your return to your home country or for some time after you return, especially if you need follow-up medical treatment.
In terms of both the amount and frequency of travel insurance claims, they occur in roughly the below percentages:
Percentage share of travel insurance claims
Lost / Damaged bags
and other property
If you already have some form of medical cover, you may not need the medical component in your travel insurance plan.
However, there is no option to simply choose what elements of a plan that you really need! (Many who have medical insurance that has a deductible will use travel insurance as a means of paying for the deductible.)
Although there are some travel plans that cover only emergency medical expenses, most will also cover such things as:
Evacuation to the nearest appropriate medical facility (Not something under your control. It is often determined by the insurer’s doctors in consultation with attending doctors).
Travel costs of a close relative to be with you and onward travel for accompanying children.
Accidental Death and Total Disablement. The disability cover will typically permit a claim only if you have been disabled for a year and are unable ever again to undertake any kind of work.
If protecting your livelihood is important to you, speak to us about an annual Personal Accident plan, or better still, a Disability Income/Income Protection plan that will provide you an income stream if you are not able to work for a period of time.
Baggage and personal effects, with varying allowances for mobile phones, tablets and laptops. (A home insurance plan will however cover lost or damaged items more comprehensively than any travel plan!).
Purchase of emergency essentials if bag delivery is delayed more than 6-8 hours.
Loss of cash and unauthorized credit card use. Note: You will seldom find more than USD500 in lost cash cover in an ordinary travel plan, but the better quality professional home insurance plans will provide at least USD10,000 in lost cash cover.
Personal Liability. Most home insurance plans will also cover your personal liability, should you accidentally injure someone or damage their property.
The majority however, do not cover you according to your overseas legal costs and penalties, but reinterpret any judgments against you, in terms of what is the norm in Hong Kong.
Better quality home plans will insure you ‘on location’, wherever you are sued. So, for example if you were sued for CAD5m for injuring someone on a ski slope in Canada, quality home plans would cover you according to the norms of Canadian law.
Re-routing and accommodation expenses resulting from such things as strikes, riots, adverse weather conditions, or possibly overbooking in case such costs are not reimbursed by the airline or other carrier.
The important thing to remember about travel insurance that you take for a particular trip or to cover you for a year or so, is that such plans do not guarantee renewal.
It is completely up to the insurer whether or not to offer you renewal and should you have cost them a substantial amount, there is little chance you will be offered renewal. (There are a few insurers that will guarantee renewal for two or three years.)
Bear in mind also, that different insurers will have different ‘age at entry rules’ and exclusions related to risky pastimes or sports.
Most, but not all insurers now cover medical costs for Covid treatment. More details in our FAQs.
For flight cancellations / trip curtailment / baggage delay etc the conditions under which you can claim vary between insurers. Most commonly you will find that flight cancellation due to contracting Covid 19 is covered.
For all terms and conditions, please refer to the specific benefit table or get in touch with us.
AIG’s TravelWise travel insurance provides comprehensive protection for your journey and is one of the best travel insurance packages available in Hong Kong.
AIG coverS your medical costs should you have an accident or suffer illness while on holiday worldwide, along with any losses arising from your trip being cancelled or your journey being delayed.
AIG also covers loss of your baggage or personal belongings, as well as all other risks related to your travelling experience.
TravelWise holiday insurance comes with AIG Travel Assistance, the worldwide emergency service from AIG, which gives you 24/7 access to a dedicated team of multi-lingual staff of doctors, nurses, medical professionals and security personnel, who can respond to your needs in the event of an emergency.
Receive COVID-19 coverage of up to HK$1,200,000
AIG TravelWise insurance is now enhanced with COVID-19 coverage. Get the same existing protection, now with COVID-19 cover including:
AXA's SmartTraveller Plus travel protects you by providing:
All-round cover for travel delays - From unused or extra accommodation /transport expenses to forfeited museum or theme park tickets.
Cover for medical expenses you may incur by sickness or accidental injury abroad, as well as what you spend on follow-up medical treatments within 3 months after returning to Hong Kong.
Whether you take one trip that lasts 360 days or multiple trips in a year (at no more than 90 days per trip), AXA has the right solution to make sure you always travel safely.
Cover FOR your baggage and personal effects... from losing your luggage to replacing your passport.
If taking a single trip, AXA offers you and every member in your family a comprehensive travel protection with no upper age limit. (Children should be aged 30 days or more and under 18 years old and named in the same travel insurance policy schedule as their parent(s). The children must also be travelling with their parent(s) for the entire journey.
Free cover for children* insured under the same policy with their parents, regardless of the number.
At odds with the market, Allied World Allied World will not provide cover under its travel insurance policies for any claims related to, directly or indirectly, Covid-19, regardless of the place of travel for all travel policies purchased (for single trip policies) or for journeys commencing (for annual policies) on or after 12 am (midnight) on 12 March 2020.
Key elements of JourneyGuard cover
Terrorism and war cover whilst travelling overseas
Double indemnity when travelling in a public conveyance
Cover for popular amateur sports and activities
New covers include:
– Loss of frequent flyer points due to trip cancellation
– Fraudulent use of credit card
– Emergency purchase of phone charger due to travel delay
As BattleFace is not, itself based in Hong Kong (but rather the UK), we are required to have clients sigh a 'Notice to Client' form, indicating that they understand the insurer is not set up in Hong Kong.
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Blue Cross Travel Smart
Worldwide Medical Expenses and Personal Accident benefits up to HK$1,200,000 each
Follow-up Medical Expenses incurred within 90 days after returning to Hong Kong including all treatments rendered by a Chinese Medicine Practitioner
24-hour Worldwide Emergency Aid services including unlimited coverage for emergency evacuation and repatriation to Hong Kong (such expenses will not be deducted from the benefit amount under Medical Expenses Benefit)
Comprehensive Outbound Travel Alerts Extension covering Amber, Red and Black Travel Alerts
Coverage for leisure and non-professional sports activities including skiing and other winter sports, diving, parachuting, bungee jumping, hiking, and all water sports
COVID-19 Travel Protection with “Free Vaccine Cash Allowance” up to HK$10,000
“Mobile Phone Extension”
Flight Delay Cash Allowance Extension with Auto-claim Service(registration is required)
Premier Plan and Select Plan offer worldwide coverage, while China Plan and Cruise Plan are also available
Choice of premium packages including Individual, Couple and Family
Unlimited number of insured children for Family Package
From 1 July 2021 Bupa Global is no longer selling travel insurance.
In our view, the closest comparable products in the market are available from VUMI.
Chubb Travel Ease Annual Travel Insurance
Whether you're off on a short trip, a two weeks holiday or a backpacking adventure, you can choose the travel insurance cover that matches your trip. There is no need to pay for cover you simply do not need. Chubb will provide clear facts about the benefits and options so you can decide what insurance cover is right for you.
Cigna US’s MBA product covers your staff for unexpected illness and injury that may occur while they are traveling on an approved business trip (outside their country of residence or permanent assignment).
The MBA plan provides quality health care benefits that cover:
› Hospital admissions, surgeries, out-patient medical care and ambulance services for emergency medical treatment.
› Prescription drugs and replacement medicine forlost prescriptions that are medically necessary.
› Dental emergencies(for a sound natural tooth) or alleviation of sudden dental pain.
› Medical evacuations for employees who require immediate medical attention and adequate facilities are not locally available.
Using CIGNA’S dedicated travel website :www.cignaenvoy.com, employees gain access to Cigna's global directory to find pre-screened health care professionals and facilities whenever they need them – even before they need care. What’s more, they can identify health care professionals and facilities that bill Cigna directly. Then your employees can simply present their Cigna MBA ID card at the time of service.
And if your staff do need to pay first, they can then submit MBA claims directly through Cigna Envoy’s MBA portal.
All registered users can file an online claim by following easy step-by-step directions.
In addition, MBA customers can also access ePayment Plus®, a payment method that services Cigna's existing electronic payment options, such as Electronic Funds Transfer, available in the U.S.
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Notice to Client Form
IMG offers a range of what it distinguishes as *Travel Medical' and *Travel' insurance products.
IMG's travel protection plans include:
iTravelInsured Travel Lite,
iTravelInsured Travel SE, and
iTravelInsured Travel LX,
that provide varying levels of coverage for trip cancellation, baggage delay, trip interruption, medical benefits, and many other travel-related events and expenses.
Travel Medical insurance is primarily used for short term medical coverage when you are traveling outside of your home country. Your domestic medical insurance plan often does not provide coverage for you in foreign countries.
Travel Insurance may provide coverage* for items such as:
Baggage and person effects
Emergency medical evacuation
Accident and sickness medical expenses
If you’re looking for “Cancel for Any Reason” coverage or to insure a luxury trip, then iTravelInsured Travel LX is the plan for you.
iTravelInsured Travel LX offers the option to cancel your trip regardless of the circumstances.
However, if you’re looking for more standard cancellation benefits, such as if an immediate family member falls ill and you need to cancel, then the iTravelInsured Travel SE and iTravelInsured Travel Lite plans may be the right plans for you.
Personal accident and compassionate cash relief for death
Hospital and quarantine allowance
Rental vehicle excess
Cash allowance for delay or interruption caused by aircraft hijacking
Credit card protection to cover unsettled balance on purchases made during the trip in case of accidental death
Emergency cash for stay behind expenses due to loss of travel documents
Home contents protection due to burglary to home during the trip
Hotel accommodation if the insured is unable to return from the airport to home after the trip
COVID COVER: Cover for medical expenses and trip cancellation insurance coverage to insured persons who contract COVID-19 after being vaccinated with at least one vaccine that is approved by the government, subject to terms and conditions.
Travel Insurance for business or pleasure with Benefits and Premiums on a per trip basis.
Travel Insurance for the frequent traveler with Premiums. Medical and Personal Accident benefits on an annual basis. Period covered is for an unlimited number of trips per year, provided that each trip does not exceed 90 days.
Affordable group travel insurance for short trips.
Travel Insurance especially designed for business travelers, with Premiums on an annual basis and Benefits on a per trip basis.
Travel Senior Plans
Travel insurance for business and pleasure for seniors
TEDD Inbound (with COVID-19 Coverage)
Travel Insurance Plan for inbound travelers to the Philippines or non-Philippine residents or Expatriates traveling to the Philippines only.
As Pacific Cross is not, itself based in Hong Kong (but rather Western Samoa), we are required to have clients sigh a 'Notice to Client' form, indicating that they understand the insurer is not set up in Hong Kong.
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Notice to Client form
Travel Insurance in a time of Covid 19 details
WorldTrips offers was formerly known as Tokio Marine HCC.
WorldTrips offers a variety of travel medical and trip cancellation insurance plans to meet the needs of individuals, groups, and organizations across the globe.
Its key product is called Atlas Travel which allows you to tailor yourl plan by choosing your deductible, coverage length, and overall coverage maximum.
Atlas Travel Is Designed for Global Travelers Seeking:
Coverage for unexpected medical expenses, including COVID-19-related expenses
Emergency Medical Evacuation benefit
Supplemental travel benefits including Trip Interruption, Travel Delay, and Lost Checked Luggage