Travel insurance protects you against the unexpected costs of a trip such as:  

• A cancelled flight 
• Hospital stay abroad 
• Stolen bags or a missed connection  

Credit card travel cover is often capped low, with wide exclusions. One-way cover is available for relocations and moves abroad 

Hong Kong residents travel often, from short Mainland and regional trips to long-haul holidays, and each carries different risks. A policy scaled to your travel pattern is usually cheaper and cleaner than relying on patchy credit card benefits. 

Cover varies by plan and level, but a comprehensive policy protects you across 3 areas. Core protection includes: 

• Medical expenses: the most important benefit, vital for the US and Japan 
• Repatriation and evacuation: emergency transport home, often the costliest claim 
• Trip cancellation and curtailment: recovers costs if a trip is cut short 
• Travel inconvenience: delays and missed departures beyond a set number of hours 

Cover for your belongings and personal risk includes: 

• Baggage and valuables: phones and laptops, subject to per-item limits 
• Personal accident: a benefit for accidental death or disability 
• Personal liability: injury or damage you cause to others 
• Amateur sports (optional): skiing, diving and similar activities, when added 

Medical evacuation is easily the item people underestimate, as transporting a patient home from a long-haul destination can run into six figures in Hong Kong dollars. 

You can tailor the level of cover to suit your specific needs, and the difference between levels sits mainly in the limits. 

• Basic: lower medical, cancellation and baggage limits, for short low-cost trips 
• Standard: mid-range limits, suited to most holidays 
• Comprehensive: the highest limits, for long-haul, high-value or frequent travel 

The right level depends on your destination, trip cost and what you are carrying. Not sure which level is right? We can help you compare. 

Premiums depend on the level of cover chosen and the number of people travelling. Indicative figures from our plans: 

• Single 30-day return trip, adult: from HK$625 to HK$1,283 
• Annual individual adult policy: HK$2,285 to HK$3,360 
• Annual family policy (2 adults, 1 child): HK$4,755 to HK$6,000 

The range within each is driven mostly by the area of cover and the level chosen, with worldwide including the US costing most. For anyone taking three or more trips a year, an annual policy usually works out cheaper than buying single-trip cover each time.  

Solo travellers. Travelling alone means no one to fall back on in an emergency. Cover provides medical treatment, emergency assistance and evacuation if a trip goes wrong. It suits holidaymakers and digital nomads alike. 

Families. Travelling with children raises the chance of an unexpected event, and child illness is one of the most common cancellation triggers. Cover protects both your family and the money you have put into the trip. 

Adventure seekers. Skiing, scuba diving and hiking carry real risk, and standard plans often exclude them. Optional amateur sports cover adds medical treatment, equipment cover and evacuation support. 

Frequent business travellers. Regular flyers benefit most from an annual plan, with cover for equipment, delays and personal liability across every trip in the year.