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AIG TravelSafe Insurance Plan |
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|
Advantages |
Provides a 24-hour global emergency assistance hotline, covering medical evacuation and repatriation, legal and embassy referral services Offers Single Trip Plan and Annual Multi-trip Plan; Annual Multi-trip Plan is suitable for frequent travellers (limited to ages 17-70) Covers COVID-19 related medical expenses and journey cancellation protection No age limit for single trip plans, also covers children travelling alone Includes high-risk activities and personal effects protection Optional additional coverage for golf, cruise vacation, scuba diving, skiing, and event tickets |
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Disadvantages |
Annual plans have age restrictions, limited to persons aged 17-70 Higher-tier plans have higher premiums, suitable for those requiring additional protection Large discrepancy in maximum benefit between different coverage levels; terms should be noted when purchasing |
AIG TravelSafe Insurance Plan Introduction
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 TravelSafe Insurance Plan Types
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.
The Main Scope of Coverage of the AIG TravelSafe Insurance Plan
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
Who is TravelSafe suitable for?
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.
|
Protection Item |
Worldwide Gold Plan |
Worldwide Platinum Plan |
|
Medical Expense Coverage |
Up to HK$1,200,000 |
Up to HK$1,500,000 |
|
Travel Interruption Coverage |
Up to HK$25,000 |
Up to HK$50,000 |
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Personal Accident Coverage |
Transportation accidents: Up to HK$800,000 Other accidents: Up to HK$400,000 (under 70) |
Transportation accidents: Up to HK$1,500,000 Other accidents: Up to HK$750,000 (under 70) |
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Personal Effects Coverage |
Up to HK$12,000 |
Up to HK$25,000 |
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Mobile Phone/Tablet Coverage |
Not applicable |
Up to HK$3,000 (Platinum Plan only) |
⚠️ 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.
Features and Advantages of AIG TravelSafe Insurance Plan
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)
Which AIG Travel Insurance Plan is Best for Me?
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)
|
Age Group |
Plan |
Type |
Premium (HK$) |
|
0–17 years |
Worldwide Gold Plan |
Individual |
$201 |
|
Worldwide Platinum Plan |
Individual |
$247 |
|
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18–69 years |
Worldwide Gold Plan |
Individual |
$291 |
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Worldwide Gold Plan |
Family |
$582 |
|
|
Worldwide Platinum Plan |
Individual |
$358 |
|
|
Worldwide Platinum Plan |
Family |
$716 |
|
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70 years or above |
Worldwide Gold Plan |
Individual |
$420 |
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Worldwide Gold Plan |
Family |
$840 |
|
|
Worldwide Platinum Plan |
Individual |
$517 |
|
|
Worldwide Platinum Plan |
Family |
$1,034 |
AIG Travel Insurance Fee Overview (Annual Multi-trip Plan)
|
Age Group |
Plan |
Type |
Premium (HK$) |
|
0–17 years |
Worldwide Gold Plan |
Individual |
$1,986 |
|
Worldwide Platinum Plan |
Individual |
$12,186 |
|
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18–69 years |
Worldwide Gold Plan |
Individual |
$2,874 |
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Worldwide Gold Plan |
Family |
$5,748 |
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|
Worldwide Platinum Plan |
Individual |
$3,164 |
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|
Worldwide Platinum Plan |
Family |
$6,328 |
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70 years or above |
Worldwide Gold Plan |
Individual |
$4,154 |
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Worldwide Gold Plan |
Family |
$8,308 |
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Worldwide Platinum Plan |
Individual |
$4,573 |
|
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Worldwide Platinum Plan |
Family |
$9,146 |
Premiums are for reference only; actual premiums will vary according to destination, the length of the journey, and protection level.
AIG Travel Insurance Claims Process
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.
Frequently Asked Questions: AIG Travel Insurance
What types of plans does AIG travel insurance offer?
AIG travel insurance offers Worldwide Platinum Plan and Worldwide Gold Plan. The Worldwide Platinum Plan has higher coverage limits.
What are the main areas that AIG travel insurance covers?
These areas include COVID-19 medical expenses and journey cancellation/curtailment. There's also coverage for mobile phones/tablets and baggage and personal items.
Does AIG travel insurance have age restrictions?
No age restrictions apply; it's suitable for all age groups.
How high is the coverage amount for emergency medical expenses and assistance?
Maximum benefit reaches HK$1,500,000, including medical expenses, emergency medical evacuation, and repatriation costs.
What is the maximum benefit for personal accident protection?
Its maximum benefit can reach HK$1,500,000.
What areas does travel interruption coverage include?
It includes trip cancellation and curtailment, with maximum benefit of HK$50,000.
How does AIG travel insurance protect against COVID-19-related risks?
This provides COVID-19 protection across multiple plans. Maximum medical expense coverage of HK$1,800,000 and trip cancellation/curtailment coverage of HK$40,000. It also includes overseas quarantine cash allowance for confirmed cases.
Does AIG travel insurance provide high-risk sports coverage?
Yes, it covers marathons, skiing, hot air ballooning, and scuba diving, among other high-risk sports, without additional premium.
What is the scope of electronic device coverage?
The coverage includes loss or damage to laptops, cameras, digital camcorders, and their related accessories and equipment. The Worldwide Platinum Plan provides up to HK$15,000 coverage, while for mobile phones/tablets, the Worldwide Platinum Plan provides up to HK$3,000 coverage.
What documents are required when making a claim?
Depending on individual circumstances, required documents include the policy number, claim application form, medical receipts, and police reports.
Approximately how long does it take to process an AIG travel insurance claim?
Confirmation will be received within 2 working days after the first submission of claim documents; processing time varies by case.
The above information is for reference only. For details and complete policy terms, please refer to the AIG official website and product brochures.
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How to find the right financial products for you?
MoneyHero has partnered with the most trusted banks and financial institutions in Hong Kong to help you find the right financial products for you. Through our comparison engine, you can compare credit cards, personal loans, mortgages, medical insurance, travel insurance, HK stock accounts, US stock accounts, payroll accounts and other financial products. We provide accurate, up-to-date information and an unbiased overview of financial products in Hong Kong so that you can make the best choice, saving your time and money.
Benefits Of Comparing Travel Insurance Plans
You should buy travel insurance before every trip. However, most people have a question: Which is the best travel insurance plan in Hong Kong? You could consider below points when you choose the plan that suits you:
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Buy a suitable travel insurance plan based on your destination.
Example︰In recent years, there were many terrorist attacks in Europe. If you plan to spend your holiday in Paris, you should pay attention to the terms related to terrorism coverage.
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Choose the best plan to fit your journey and transportation means.
Example: The chance of flight delay is high if you plan to go to Japan in April (peak cherry season) by budget flight, you should be focusing on the delay coverage.
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Apply for a cheaper plan with basic coverage.
Example: Travel insurance companies in HK often offer discounts, you can even apply for a 5-day basic plan with less than HK$100.
MoneyHero.com.hk provides a one-stop platform for you to:
- Choose the travel insurance plan based on your special needs and journey.
- Compare plans from more than 10 travel insurance companies and complete the purchasing process in one platform.
- Find out the latest offers provided by travel insurance companies in HK.
What are not covered in a travel insurance?
Travel insurance is insurance that provides coverage for accidents and other losses incurred while travelling. However, the insurance company might add the exclusion clauses, which remove the insurance coverage for the specified events and choose not to insure the events. The relevant reasons include: such coverage is available under another class of insurance, the risks are not suitable to be taken up, or some special conditions are required, etc. There are numbers of categories included in the exclusion clauses of a travel insurance policy, including:
|
General Exclusions |
Example(s) |
|
War |
War, Civil War, invasion, insurrection, revolution, use of military power or usurpation of government or military power, direct participation in strike, riot and civil commotion |
|
Intentional Acts |
An Insured Person not taking all reasonable efforts to avoid Injury or to minimize any claim under this Policy; suicide or attempted suicide or intentional self-injury, or self-exposure to needless peril; |
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Unforeseen Circumstances |
Any prohibition or regulations by any government; any breach of government regulation or any failure by the Insured Person to take reasonable precautions to avoid a claim under this insurance following the warning of any intended strike by the employees of a Common Carrier, riot or civil commotion, inclement weather, natural disasters, or epidemic * If the government issues Black OTA to designated countries/territories after an Insured Person buys the travel insurance, which includes Black OTA as a part of the insurance coverage, the Insured Person can be compensated. If an Insured Person buys the travel insurance after the issuance, the insurance company would not compensate. |
|
Illegal Acts |
Any prohibition or regulations by any government; confiscation, detention, destruction by customs or other authorities; an Insured Person who is a Terrorist or a Member of a Terrorist Organization; any illegal or unlawful act by the Insured Person; |
|
High-Risk Activities |
Riding in any aircraft except as a passenger; mountain trekking above 5,000 metres or diving below 30 metres |
|
Specific Occupation(s) |
Being as a crew member of an operator of any air carrier; testing of any kind of conveyance; engaging in any kind of labour work; engaging in offshore activities like commercial diving, oil rigging, mining or aerial photography; handling of explosives; performing as actor/actress; being a site worker, fisherman, cook or kitchen worker; tour guide or tour escort |
|
Dangerous Countries |
Loss, injury, damage or legal liability arising directly or indirectly from planned or actual travel in, to, or through Cuba, Iran, Syria, Sudan, North Korea, or the Crimea region |
|
Medication |
Any loss which relates to the effects of alcohol or drugs other than those prescribed by a Physician or Doctor; |
|
Pregnancy |
Pregnancy, miscarriage or childbirth; or any injury or sickness associated with pregnancy, miscarriage or childbirth; |
|
Pre-existing Medical Conditions |
Any Pre-existing Condition |
|
Specific Medical Conditions |
AIDS or any Injury or Sickness commencing in the presence of a seropositive test for HIV and related diseases and/or sexually transmitted disease; Psychosis, sleep disturbance disorder, mental or nervous disorders |
|
Nuclear Disaster |
Nuclear risks of any nature; radioactive, nuclear pollution or contamination |
|
Others |
Any medical treatment received in the course of a Trip which was made for the purpose of receiving medical treatment (need not be the sole purpose); or the Trip was undertaken while the Insured Person was unfit to travel or against the advice of a Physician or Doctor |
Useful Tips for Choosing Travel Coverage
When you apply for any insurance plan, disclose all relevant information to the insurer.
- Read the exclusions and terms of the policy thoroughly
- Bring a copy of your policy when you travel, and leave a copy with someone back home so they know who to call if you get into an accident during your trip.
Types Of Travel Insurance
Most travel insurance companies in Hong Kong provide different type of plans for different travelers. They include:
- Single Trip Plan
- Annual Plan
- China Plan
- Cruise Plan
What are the differences between annual and single travel insurance plan?
Annual travel insurance plan is suitable for travel lovers and business travellers.
Unlike single travel insurance plan, annual travel insurance plan covers for an unlimited number of trips within a year (the insurance period). The Insured Person does not need to buy insurance for every single trip if they already purchase annual travel insurance. It can help customers to save time and money. Each Journey, which is under the coverage of annual travel insurance, lasts no longer than 90 days. A trip, which is covered by single travel insurance, can last no longer than 180 days. There is no big difference in benefits between annual and single plan.
Travel Insurance Offers
To attract customers, many companies provide discount promotion. For example, you can enjoy 30% off exclusive discount if you buy CHUBB / Allied World / STARR / FWD/ Zurich and Falcon single trip plan in Moneyhero.com.hk platform. MSIG is also providing 45% discount now. Let’s take a 5-day Japan trip as an example, the difference between the cheapest and most expensive plan can up to $220:
| Insurance Companies（Plan） | Original Price | Discount Price |
|---|---|---|
| Allied World（I / II） | $154 / 225 | $107.8 / 157.5 |
| AXA（Classic / VIP） | $160 / 225 | - |
| Blue Cross（Premier） | $278 | - |
| CHUBB（3/2/1） | $152 / 249 / 340 | $106.4 / 174.3 / 238 |
| FWD（B / A） | $155 / 215 | $108.5 / 150.5 |
| Liberty（Asia/ Worldwide） | $148 / $321 | - |
| MSIG（B / A） | $268 / 364 | $147.46 / 200.28 |
| STARR（Essential / Extra / Supreme） | $95 / 135 / 193 | $66.5 / 94.5 / 135.1 |
Main Coverage Of Travel Insurance
Travel insurance is a contract between you and the insurer, where you are entitled to compensation for any loss related to an adverse event during travel. You, as the policyholder, are covered when you incur losses during domestic or international travel.
Most travel insurance plans provide the following coverage:
- Personal Accident Benefit
- Medical Expenses Benefit
- 24-hour Worldwide Emergency Aid
- Travel Delay Benefit
- Baggage Delay Benefit
- Trip Cancellation Benefit
- Baggage Benefit
- Personal Money Benefit
- Loss of Travel Documents Benefit
- Rental Vehicle Excess Protection Benefit
- Credit Card Protection Benefit
- Personal Liability Benefit
Some plans provide special coverage:
- Loss of Mobile Phone Benefit
- Terrorism
- Trauma Counselling
- Delay Due to Over-selling Tickets
- Delay Due to Airline Collapse
Compare & Buy Plans in Hong Kong
Different insurance plans have their own set of rules and specific coverage terms. Our comparison tool helps you set them apart so you can choose one that fits your requirements.
Remember, you can use our comparison tool for free! Filter your search results according to provider, insurance benefits, price range, and other features. All you have to do is to click the Apply Now button and you're one step closer to full protection on your next trip.
What are the benefits of buying travel insurance online?
More people choose to buy travel insurance online because of convenience and efficiency these days.
There are four benefits of buying travel insurance online:
1. You can buy travel insurance wherever you areMany insurance companies sell their insurance plans online. The Insured Person can compare and buy travel insurance online via desktop and/or mobile devices anywhere. It is no longer necessary to spend extra time to somewhere else for signing up for a travel insurance policy with the insurance agent.
2. You can buy travel insurance whenever you areThe Insured Person can buy travel insurance online 24/7. Some insurance companies allow their customers to buy the plan a few hours before the start date of the trip.
3. Efficient and EffectiveYou can fill the form and buy the plan within minutes. Then, spend more time planning a travel itinerary.
4. Reasonable priceSince there is no insurance agent involved during the time of purchase, the operating cost is relatively lower. Therefore, the premium of online travel insurances is cheaper than the traditional ones.
Does travel insurance cover mobile phones?
Many of us take electronic devices like mobile phones along with our trips. However, most travel insurances do not cover us for mobile phones. Only Allied World, AXA, and CHUBB provide mobile phone coverage:
| Travel Insurance Companies | Mobile Phone Coverage | Tablet Coverage | Laptop Coverage |
|---|---|---|---|
| Allied World | $2,000 | $2,000 | $2000 |
| AXA | $2,000-3,000 | $2,000-3,000 | $5,000-7,500 |
| Blue Cross | X | $2,000-3,000 | $2,000-3,000 |
| CHUBB | $3,000-5,000 | $3,000-5,000 | $3,000-5,000 |
| FWD | X | X | $3,000 |
| Liberty | X | X | $2,000 |
| MSIG | X | X | $2,000 |
| STARR | $0-2,000 | $0-2,000 | $0-8,000 |
What should I do if my phone is lost while traveling?
If you lost your personal items during the trip, you should report to local police after the incidence within 24 hours and keep all supporting documents and original receipts for an insurance claim. You should also pay attention that your insurer may refuse your claim if you have not looked after your properties properly.
Does travel insurance cover countries with outbound travel alerts?
The government of Hong Kong launched the Outbound Travel Alert (OTA) System to help Hong Kong people understand the risk to personal safety in traveling overseas, and there are three colors, namely Amber, Red and Black to indicate the alert level. Many travel insurance plans cover countries with OTA and they usually cover trip cancellation and trip curtailment, but applicants should keep in mind that the actual compensation depends on the policy's maximum limit, while some insurance plans only cover countries with a Black Alert. In addition, not all insurance plans cover terrorist attacks, you should check the exclusions even if they have a terrorism cover.
Does travel insurance cover rental cars?
Does travel insurance cover rental cars?As rental cars are not classified as a way of public transportation, a rental car accident is not covered under the personal accident benefits. Rental charges usually include basic protection with third-party liability; if you want more protection, you could choose a comprehensive coverage plan. Now that many travel insurance plans offer a Rental Vehicle Protection which normally compensates for the motor insurance policy excess incurred by you only, excluding other expenses due to the accident. Applicants should read the policy's terms carefully.
How to claim compensation when my flight is delayed?
Travel delay coverage varies by the insurance policy. You will probably get a compensation of about HK$300 if you experienced a delay of more than 6 hours. Some insurance plans also reimburse the extra costs for accommodations. Applicants should keep all relevant receipts and ask the airlines or transportation agencies to provide a written proof as a clear evidence, or the insurer may refuse the claim.
When should I buy my travel insurance?
Basically you should buy travel insurance as early as possible. It is recommended that you buy your travel insurance once you have booked your air tickets and hotels to get better coverage. Travel insurance cover usually starts once you have bought the policy; if you buy the insurance and the government issues a Black OTA for your travel destination while it covers a Black Alert, you may make a claim. But if you buy an insurance after the Black Alert has been issued, you would not be compensated for that.
Let's find out the travel insurance plan that fit you the best now!
