Comprehensive coverage with AIG Travel Insurance

The TravelSafe Insurance Plan, provided by AIG Insurance Company, is divided into "Worldwide Gold" and "Worldwide Platinum," offering travellers comprehensive coverage for their trips. You can choose between single-trip or annual multi-trip plans depending on your travel habits, flexibly accommodating different travel modes. Coverage includes basic medical expenses, accidents, flight delays, and the loss of personal effects, and also covers amateur high-risk activities and COVID-19-related medical expenses. Additional protection can be purchased for peace of mind throughout your journey.

AIG offers two main travel insurance options: the Worldwide Gold plan and the Worldwide Platinum plan, both with flexible single-trip and annual multi-trip options. The Worldwide Platinum plan provides higher coverage limits, suitable for travellers seeking more comprehensive protection.

AIG TravelSafe Insurance Plan's main scope of coverage includes:

- Emergency medical expenses and assistance
- Travel delay
- Baggage and personal effects
- Personal accident coverage
- COVID-19 coverage

AIG TravelSafe Insurance Plan’s Single Trip Plan has no age limit and also covers children travelling alone. The plans are designed for travellers departing from Hong Kong, whether for personal trips or family travel, offering flexible choices and comprehensive protection for a worry-free journey. However, it’s important to note that the annual multi-trip plan is only suitable for persons aged 17-70.

The Overview of the AIG TravelSafe Insurance Plan: Core Benefits

Emergency Medical Expenses and Assistance

TravelSafe coverage includes medical expenses, emergency medical evacuation and repatriation costs, and provides 24-hour worldwide emergency support services: medical advice, translation services, etc. Maximum benefit can reach HK$1,500,000.

Personal Accident Coverage

This covers severe burns, permanent disability, or death due to accidents. Whether on public transportation, transport arranged by travel agencies, or general daily accidents, this protection provides compensation to ensure the travel safety of travellers of all age groups.

Journey Interruption Coverage

This covers travel delays, missed connections, early returns home, and travel alerts, with maximum benefit up to HK$1,500,000.

Personal Effects Coverage

This covers loss or damage to personal effects; the Worldwide Platinum Plan offers HK$3,000 additional protection for mobile phones and tablets.

⚠️ Note: For insured persons aged 70 or above and under 17, personal accident benefit amounts will be adjusted. Please refer to the policy terms for details.

24/7 Worldwide Emergency Assistance Services

Wherever you are, AIG provides round-the-clock emergency support, including medical consultation, language translation, legal assistance, and medical referrals, ensuring your peace of mind throughout your journey.

High-Risk Activity Coverage

Travel is about having fun, and AIG travel insurance specially covers many popular high-risk activities, including skiing, scuba diving, hot air ballooning, marathons, and mountain climbing below 3,000 metres, without an increased premium.

Electronic Device Coverage

Modern travellers never leave their devices behind—smartphones are almost more important than wallets. The Worldwide Platinum Plan provides up to HK$15,000 coverage for laptops, cameras, and other equipment, and up to HK$3,000 for phones and tablets, covering accidental damage or loss.

COVID-19 Coverage

If you contract COVID-19 during your trip, AIG provides up to HK$1,800,000 medical expense coverage and up to HK$40,000 trip cancellation/curtailment coverage, helping you travel with peace of mind.

Important Notes for AIG TravelSafe Insurance Plan

Coverage Period

AIG TravelSafe Insurance Plan's Single Trip Plan provides coverage for up to 182 days; the Annual Multi-Trip Plan applies to journey lasting up to 90 days each, with unlimited trips throughout the year, flexibly meeting the needs of frequent travellers.

Age Restrictions

Regarding age restrictions, AIG's Single Trip Plan has no age limit so it is suitable for travellers of any age group. The Annual Multi-Trip Plan applies to insured persons aged between 17 and 70, with age calculated as of the policy's effective date. Additionally, all journeys must depart from Hong Kong, and if applying online, the applicant and all insured persons must hold valid Hong Kong identity cards.

Exclusions

• War, civil war, hostile invasion, rebellion, revolution, military action, usurpation of political or military power
• Involvement of the insured in any illegal act during the coverage period
• Loss of jewellery, antiques, fragile items, and electronic currency (such as credit cards, Octopus cards, etc.)
• Pre-existing illnesses or injuries (except repatriation of remains), pregnancy and childbirth, conditions related to AIDS or sexually transmitted diseases
• Suicide, attempted suicide, intentional self-harm, mental or psychological illness, alcoholism, or drug abuse
• Any professional sports activities or sports involving remuneration, sponsorship, or donations
• Adventure activities, competitions (except hiking), unlicensed commercial hunting tours, off-piste skiing/snowboarding, Grade 4 or above white water rafting, sailing activities outside territorial waters
• Any loss or liability arising from planning to visit, actually being in, or passing through the following regions: Cuba, Iran, Syria, North Korea, Crimea, Donetsk, Luhansk
• Claims made by persons residing in the above regions
• Any claims that would cause AIG Insurance (Hong Kong) Limited, its parent company, or ultimate controlling entity to violate sanctions regulations and face legal liability or sanctions
• All journeys to or within mainland China for persons holding People's Republic of China passports (except those with valid residence permits from other countries)

Choosing the most suitable travel insurance plan depends on clearly understanding your travel style, budget, and protection needs. AIG offers two major plan levels (Worldwide Gold Plan and Worldwide Platinum Plan), covering single trips and annual multiple trips, flexibly accommodating different travellers' needs.

Carefully Review Benefit Details

When choosing a plan, it's recommended to read in detail the coverage and benefit limits of each plan. For example:

• - Do you need coverage for trip cancellation or curtailment?
• - Is the coverage for personal electronic devices like mobile phones and laptops sufficient?
• - Do you need coverage for high-risk activities such as skiing, diving, or trekking?

Additionally, AIG's Worldwide Platinum Plan offers dedicated coverage for mobile phones/tablets, as well as medical and trip protection for COVID-19, suitable for travellers with higher requirements.

Long-Term Considerations

If you frequently travel abroad or need to travel frequently for work, an annual travel insurance plan may be more cost-effective than purchasing separate insurance each time. AIG's Annual Multi-trip Plan is suitable for persons aged 17 to 70, covering multiple journeys within a year, which saves time and is convenient. This is especially suitable for business travellers or travel enthusiasts. Comparing premiums and coverage across different protection levels helps you make a more informed choice.

Utilise Existing Protection

If you hold certain credit cards (such as platinum cards or travel credit cards), the card company may already provide basic travel protection, such as flight delays, baggage delays, or emergency medical assistance. You can first review the scope of coverage your credit card provides, then consider whether you need to purchase additional AIG travel insurance, avoiding duplicate coverage while enhancing protection levels.

How Much Are AIG TravelSafe Insurance Plan Premiums?

AIG Travel Insurance Fee Overview (Single Trip – 5 days)

AIG Travel Insurance Fee Overview (Annual Multi-trip Plan)

Premiums are for reference only; actual premiums will vary according to destination, the length of the journey, and protection level.

Required Documents for Claims

When submitting a claim, you need to provide the policy number, a completed application form, and relevant supporting documents (such as medical receipts or police reports). Complete applications must be submitted within 30 days of the incident, otherwise, it may affect the approval progress.

Claim Methods

Insured persons can submit claims through AIG's online claims platform, or choose to submit applications and required documents via email (claims.hk@aig.com), fax (2838 9916), or mail (7/F, One Island East Centre, 18 Westlands Road, Hong Kong).

Processing Time

AIG will confirm receipt of the application within 2 working days. After approval, compensation under HK$10,000 will be paid via FPS, and amounts exceeding this will be transferred to the insured person's designated Hong Kong dollar bank account.

Is AIG Travel Insurance Worth Purchasing?

AIG TravelSafe Insurance Plan is known for its comprehensive coverage and flexible options, making it a popular choice for many travellers. Its biggest feature is providing 24/7 global emergency assistance services, covering emergency medical consultation, medical evacuation, translation, and legal assistance, allowing you to receive professional support even when abroad. Additionally, AIG travel insurance covers multiple high-risk activities (such as skiing, scuba diving, hot air ballooning, trekking, etc.) without additional premium, which is particularly attractive for adventure-loving travellers. The Worldwide Platinum Plan also provides electronic device coverage for laptops, mobile phones, cameras, etc., with protection amounts up to HK$15,000.

However, note that the Annual Multi-trip Plan is only applicable to persons aged 17 to 70, and some high-risk regions are not covered. The Worldwide Platinum Plan offers larger coverage but relatively higher premiums. You can choose the most suitable insurance plan based on your personal travel habits and protection needs. If you travel 3 or more times per year, frequently participate in outdoor activities, or habitually carry valuable electronic equipment when travelling, the annual plan might be more suitable.