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AlipayHK users benefit from Blue Cross travel insurance promotion

Travellers can purchase a five-day travel insurance plan for HK$1.

Blue Cross (Asia-Pacific) Insurance partnered with AlipayHK to offer customers travel coverage for the Easter season.

Blue Cross customers can now use AlipayHK to settle payments when enrolling in Travel Smart Single-trip Cover or Multi-trip Cover through the Blue Cross website or app. 

During the limited-time Easter promotion from 18 March to 17 April, AlipayHK users can enjoy special offers on Blue Cross's travel insurance products.

ALSO READ: Blue Cross APAC strengthens capital buffer, backed by AIA

Customers can purchase a five-day travel insurance plan for only HK$1, with an original price of HK$136, or receive HK$20 premium vouchers for purchases of any Blue Cross insurance plan with a premium amount of HK$100 or above. These vouchers are available on a first-come, first-served basis while stock lasts.

Blue Cross (Asia-Pacific) Insurance is a subsidiary of AIA Group and is not affiliated with Blue Cross and Blue Shield Association or any of its affiliates or licensees.

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Allianz Travel - Silver Plan [for ages 0 to 54]

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【MoneySmart Exclusive Offer】 From September 10 to 22, 2024, the first 60customers who successfully apply for a specific travel insurance policy with a premium of HK$150 or above can receive an extra HK$100 Trip.com coupon within 7 days of submitting their redemption form.*   Terms and Conditions   Apply.

Are your trip details correct?

AXA SmartTraveller Plus Premier Plan

FWD MyTravel Insurance - Premium

【MoneySmart Exclusive Offer✈️】 1. Enjoy 15% off  2. Extra 5% off for 2 applications or above 3.  W ithin the promotional period, who successfully apply for a FWD Travel Insurance of premium HK$250 or above will be entitled to one complimentary  HK$100 Park-N-Shop  e-Coupon. 4.  From September 9 to 22, 2024, the first 300 customers who  successfully apply for a FWD Travel Insurance of premium  HK$150 or above can receive an extra HK$100 Trip.com coupon within 7 days of submitting their redemption form*.*   Terms and Conditions   Apply.

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

【MoneySmart Exclusive Offer】 1. 20% discount on BOCG Travel Insurance 2. Within the promotional period,  who successfully apply for BOCG Travel Insurance with a premium of HK$150, and the first customer who successfully submits the claim form by 10:00 PM on every Wednesday and Saturday (September 4, 7, 11, 14, 18, 21, 25, 28), will receive a  HK$1,000 Apple Store Gift Card . 3. From September 9 to 22, 2024, the first 300 customers who  successfully apply for a BOCG Travel Insurance of premium  HK$150 or above can receive an extra HK$100 Trip.com coupon within 7 days of submitting their redemption form.  Terms and Conditions  Apply.

STARR Companies TraveLead Essential Plan

Avo Restful Travel Protection - Lite (Area 1)

Blue Cross TravelSafe Plus Global Diamond Plan

Dah Sing Insurance JourneySure Travel Insurance - Gold

MSIG iTravel Plus (Single Trip) Plan B

HSBC Single Trip TravelSurance Standard Plan(Asia)

Generali Bravo Travel Protector - Standard Plan

Ping An Deluxe Plan

QBE Single Trip Travel Insurance - Silver

STARR Companies TraveLead Extra Plan

FWD MyTravel Insurance - Superior

Allianz Travel - Gold Plan [for ages 0 to 54]

Generali Bravo Travel Protector - Classic Plan

AXA SmartTraveller Plus Privilege Plan

HSBC Single Trip TravelSurance Standard Plan(Worldwide)

Generali Bravo Travel Protector - Premier Plan

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

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. 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 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.

COVID-19 protection

Various travel insurance offers COVID-19 protection which is vital during the coronavirus pandemic. COVID-19 cover ranges from emergency overseas medical expenses, journey cancellation and curtailment in relation to COVID-19, and quarantine allowance.

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.

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.

Keep originals

• 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

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.

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.

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.

How long can I get my claims back?

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)!

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!

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

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• Best COVID-19 Travel Insurance in HK

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Everything you need to know about travel insurance

Your travel insurance policy may come with an excess amount, which is the specified amount deducted from any claims that are paid out.

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.

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.

Some travel suppliers such as travel agencies, airline companies and wifi egg providers may provide add-on travel insurance service. Airline and hotel comparison websites may also provide complimentary or discounted travel insurance when you book your flight or hotel on their platform. Although you may save some time and cost through such kind of bundle deal, the travel insurance options on those sites are usually rather limited. You may also not get the type of protection that specifically caters to your travel needs.

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?

There are hundreds of travel insurance plans in the market and sometimes it can be overwhelming to choose the one you need. 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, personal items and baggage lost, etc. 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, what are the latest travel insurance deals on moneysmart, where to get travel insurance in hong kong, can i buy travel insurance when i’m abroad, how do i compare travel insurance policies, which travel insurance policy is the cheapest, which travel insurance company is the best, should i buy travel insurance if i study abroad or go on a working holiday, what extra protection can i receive if a travel alert is issued for the planned destination, when should i buy travel insurance, are there any exclusions in the coverage in travel insurance, are family travel insurance plans cheaper, what is travel insurance and how does it help me, is it necessary to buy travel insurance when i travel, 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.

Hong Kong insurer extends travel cover

Blue cross insurance has extended the covid-19 protection of its travel insurance products by offering ‘free vaccine cash allowance’ of up to hk$10,000 for vaccinated travellers.

As more people across the world are getting vaccinated, travel restrictions between Hong Kong and mainland China, as well as other countries, are expected to gradually relax. From 10 June until 30 September, customers who enrol in the Blue Cross Travel Smart single-trip travel insurance, Annual Infinity Travel Insurance Pass, Overseas StudySafe Insurance, Working HolidaySafe, or SmartGo GBA Travel Insurance are eligible for Blue Cross’ free extra protection.

During the covered period, if a policyholder is diagnosed and confined in hospital after immunisation due to confirmed diagnosis of Covid-19 or if the insured suffers from severe sickness within 30 days after immunisation, a Daily Hospital Cash Allowance of up to $500 per day will be payable.

Traveller can enjoy an extra layer of protection

Patrick Wan, Managing Director of Blue Cross Insurance, Hong Kong, said: " We expect that travel restrictions in various places will gradually be relaxed. At the same time, some individual countries/regions may require travellers entering into their territory to provide proof of vaccination. Therefore, we launched the ‘Free Vaccine Cash Allowance’, so that people who travel abroad for reasons such as business trips, overseas study or working holidays can enjoy an extra layer of protection.”

Additionally, the travel insurance includes Medical Expense and Personal Accident Benefits, Overseas Hospital Cash Allowance, Travel Delay Benefit, 24-hour Worldwide Emergency Aid, as well as coverage for Trip Cancellation or Trip Curtailment, due to unfit to travel as a result of the confirmed diagnosis of Covid-19.

Meanwhile, since May, travellers are able to move freely between Singapore and Hong Kong, in the hope of bringing cross-border travel back to normal levels.

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