Travel Insurance

Travel insurance is a vital safety net for Hong Kong residents and visitors embarking on journeys near or far. Whether you’re planning a weekend getaway to Southeast Asia, a business trip to Europe, or an adventure across continents, travel insurance offers financial protection and peace of mind against unexpected events like medical emergencies, trip cancellations, or lost luggage.

Travel insurance has become an essential companion for wanderers. Tailored to cover diverse needs, from single-trip policies to annual plans for frequent travelers, it ensures you’re prepared for the unpredictable, allowing you to focus on making memories.

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Travel Insurance Comparison

AXA SmartTraveller Plus

Features

Comprehensive travel insurance with medical coverage up to HKD 2,000,000
Virtual medical consultation and medicine delivery in selected countries
Coverage for amateur sports and road trip driving
Optional cruise holiday protection
Digital platform with 24/7 assistance

Offered plans

Silver Plan • Gold Plan • Platinum Plan

Major Benefits

All-rounded medical expense cover including Chinese treatments

Family coverage with free coverage for children

Diverse coverage for travel inconveniences including delays and cancellation

Protection for personal belongings and home contents

Blue Cross TravelSafe Plus

Features

Worldwide medical and personal accident coverage up to HK$1,500,000
Comprehensive outbound travel alert extension
Cancellation of local tour benefit
Coverage for leisure and non-professional sports
Optional cruise plan and increased personal accident benefit

Offered plans

Global Diamond Plan • Global Gold Plan • Mainland China and Macau Plan • Global Cruise Plan

Major Benefits

24-hour worldwide emergency aid with unlimited evacuation coverage

Follow-up medical treatments in Hong Kong within 90 days

No maximum insurable age limit for single-trip cover

Family coverage including spouse/domestic partner and children

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Travel VIP

Features

Comprehensive worldwide coverage with maximum up to US$5,000,000
24/7 VIP service with direct payment coordination
Schengen Visa compliant
Optional Non-Medical and Trip Cancellation riders
MyVUMI™ portal for policy management

Offered plans

Single Trip Plan • Annual Trip Plan

Major Benefits

High medical coverage limits up to age 70

Coverage for standard pre-existing conditions (6 months stable)

Emergency medical evacuation and repatriation benefits

Psychological assistance for traumatic events

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Travel Insurance Insights

Medical Coverage is a Priority

With healthcare costs soaring overseas (e.g., a hospital stay in the U.S. can exceed HKD 50,000), comprehensive medical coverage is a top consideration for Hongkongers purchasing travel insurance.

Customizable Plans for Diverse Travelers

Insurers in Hong Kong offer tailored options—solo travelers, families, seniors, or adventure enthusiasts can find policies covering everything from flight delays to extreme sports mishaps.

Digital Convenience

Many insurers now provide instant online quotes and claims processing, aligning with Hong Kong’s tech-forward population, making it easier than ever to secure coverage before takeoff.

Travel Insurance FAQs

What does travel insurance typically cover?

Travel insurance in Hong Kong usually includes medical expenses, trip cancellation or interruption, lost or delayed baggage, and personal liability. Some plans also cover travel delays or emergency evacuation, depending on the policy.

Do I need travel insurance for a short trip within Asia?

Yes, even for short trips, travel insurance is recommended. Unexpected events like flight cancellations or minor medical issues can occur, and costs can add up quickly without coverage—especially in countries with higher healthcare fees.

How much does travel insurance cost in Hong Kong?

Costs vary based on trip duration, destination, and coverage level. A basic single-trip policy for a week in Asia might start at HKD 100-200, while annual plans for frequent travelers can range from HKD 800-2,000.

Can I buy travel insurance after I’ve started my trip?

Most insurers in Hong Kong require you to purchase travel insurance before departure. Buying it mid-trip is usually not allowed, so plan ahead to ensure coverage.

Does travel insurance cover pre-existing medical conditions?

It depends on the policy. Some insurers offer coverage for pre-existing conditions with additional premiums or specific terms, while others exclude them. Always check the fine print or consult your provider.

What should I do if I need to make a claim?

Contact your insurer immediately via their hotline or app, provide necessary documentation (e.g., receipts, medical reports), and submit your claim within the specified timeframe—typically 30 days after the incident.

Are adventure activities like skiing or diving covered?

Standard policies may not cover high-risk activities. You’ll need to opt for additional coverage or a specialized adventure travel plan if you’re engaging in sports or extreme activities.