Table of Contents
Allianz Travel Insurance Introduction
The Overview of Allianz Travel Insurance Core Benefits
Features and Advantages of Allianz Travel Insurance
Important Notes for Allianz Travel Insurance
Which Allianz Travel Insurance Plan is Right for Me?
How Much are the Premiums for the Allianz Travel Insurance Plans?
Allianz Travel Insurance Claims Process
Is Allianz Travel Insurance Worth Purchasing?
Frequently Asked Questions About Allianz Travel Insurance
-
Insurance Company
Allianz Travel Insurance
Advantages
- Covers emergency medical expenses, personal accidents, trip cancellation, flight delays, baggage loss or delay, etc.
- 24-hour worldwide emergency assistance hotline
- Includes mobile device protection and rental car excess coverage
- Offers Single Trip Plan and Annual Trip Plan
- Six plan levels allowing travelers to choose flexibly based on budget and protection needs
Disadvantages
- Age restrictions (only available to persons from 60 days to 75 years old)
- Some regions are not covered (e.g., Iran, North Korea, Syria, Sudan, Cuba)
- Policy generally does not cover extreme sports or high-risk physical activities
- COVID-19 diagnoses after returning to Hong Kong are not covered
Allianz Travel Insurance Introduction
Allianz Travel Insurance is divided into "Standard" and "Plus" versions. Each category offers three plans: Basic, Standard, and Advanced, providing a total of six different protection options to meet various travel needs. Choose between single trip or annual trip plans based on personal needs to flexibly adapt to different travel modes. Coverage includes basic medical expenses, accidents, flight delays, and personal effects loss, as well as mobile device protection and excess coverage for rental cars, allowing you to travel with peace of mind.
Allianz Travel Insurance Plan Types
Allianz Travel Insurance is divided into "Standard" and "Plus" plan categories. Each category offers three plans: Basic, Standard, and Deluxe, providing a total of six different protection options to meet various travel needs.
Allianz Travel Insurance Main Coverage Scope
- Emergency medical expenses
- Personal accident
- Trip cancellation or delay
- Baggage and personal effects
- Mobile device theft
- Car rental excess
Suitable for
Allianz Travel Insurance is designed for travellers departing from Hong Kong, and persons from 60 days to 65 years old can apply. Whether for individual trips or family outings, flexible options are available for comprehensive protection and peace of mind.
The Overview of Allianz Travel Insurance Core Benefits
Allianz Travel Insurance is divided into "Standard" and "Plus" versions. Each category offers three plans: Basic, Standard, and Advanced, providing a total of six different protection options to meet various travel needs. Choose between single trip or annual trip plans based on personal needs to flexibly adapt to different travel modes. Coverage includes basic medical expenses, accidents, flight delays, and personal effects loss, as well as mobile device protection and excess coverage for rental cars, allowing you to travel with peace of mind.
Overseas Medical Expenses Coverage
Whether "Standard" or "Plus," both offer identical medical coverage. Taking the advanced plans of both as examples, they provide up to HK$1.8 million in overseas medical coverage. If the insured is hospitalised overseas for more than 24 hours or hospitalised in quarantine due to diagnosis, a daily hospital cash allowance of HK$500 is provided for up to 20 days. However, it's important to note that if diagnosed after returning to Hong Kong, related medical and quarantine expenses are not covered.
Coverage for Cancellation/Curtailment of Journey
If the insured or accompanying relative is diagnosed and needs to cancel the trip within 30 days before departure, Allianz Travel Insurance provides compensation for transportation and accommodation expenses, with Advanced Plans offering up to HK$50,000. If the trip needs to be shortened midway for the insured to return to Hong Kong, some plans will also compensate for unused travel expenses.
Emergency Medical Assistance
If the insured needs hospitalisation for more than 7 days and cannot manage independently, the insurance will cover round-trip transportation and accommodation expenses for one family member, with the latter amount limited to HK$1,000 per night for a maximum of 7 nights.
Baggage and Personal Effects Coverage:
Covers loss or damage to personal effects, with maximum compensation up to HK$25,000.
Personal Accident
Covers serious burns, permanent disability, or death due to accidents, whether on public transportation, transport arranged by travel agencies, or general daily accidents, providing compensation to protect travellers of different age groups.
|
Coverage |
Allianz Travel Insurance (Basic) |
Allianz Travel Insurance (Plus) |
||||
|
Basic |
Standard |
Advanced |
Basic |
Standard |
Advanced |
|
|
Overseas Medical Expenses |
HK$600,000 |
HK$1,200,000 |
HK$1,800,000 |
HK$600,000 |
HK$1,200,000 |
HK$1,800,000 |
|
Personal Accident: Accidents on Public Transportation |
HK$500,000 |
HK$800,000 |
HK$1,000,000 |
HK$500,000 |
HK$800,000 |
HK$1,000,000 |
|
Personal Accident: Other Accidents |
HK$250,000 |
HK$400,000 |
HK$500,000 |
HK$250,000 |
HK$400,000 |
HK$500,000 |
|
Cancellation of Journey |
HK$5,000 |
HK$25,000 |
HK$50,000 |
HK$5,000 |
HK$25,000 |
HK$50,000 |
|
Curtailment of Journey |
Not applicable |
HK$25,000 |
HK$50,000 |
Not applicable |
HK$25,000 |
HK$50,000 |
|
Journey Re-Route |
Not applicable |
HK$2,000 |
HK$4,000 |
Not applicable |
HK$2,000 |
HK$4,000 |
|
Baggage and Personal Effects |
HK$5,000 （Max HK$3,000 per item) |
HK$20,000 （Max HK$3,000 per item) |
HK$25,000 （Max HK$5,000 item) |
HK$5,000 （Max HK$3,000 per item) |
HK$20,000 （Max HK$3,000 per item) |
HK$25,000 （Max HK$3,000 per item) |
|
Mobile Device Theft |
Not applicable |
Not applicable |
Not applicable |
HK$1,500 |
HK$3,000 |
HK$3,000 |
Features and Advantages of Allianz Travel Insurance
1. Mobile Device Protection
Everyone values their mobile phones, and all the plans of Allianz Travel Insurance's "Plus" category provide mobile device theft protection, covering commonly used mobile electronic devices such as smartphones, tablets, laptops, and smartwatches. Depending on the tier, coverage ranges from HK$1,500 to HK$3,000. However, note that devices must be stolen or accidentally damaged to be covered, and police reports must be filed within 24 hours of the incident, otherwise, compensation may not be granted. Loss due to negligence or leaving devices unattended is also not covered.
2. Coverage for Rental Car Excess
More and more people choose to drive on their own when travelling. But if an accident occurs while driving abroad, causing damage to the rental car or even theft, you need to pay the excess out of pocket. Allianz Travel Insurance's "Advanced" plans specifically provide excess protection for rental cars. The maximum compensation for Standard and Advanced plans is HK$2,500 and HK$5,000, respectively. If you plan to drive abroad, this protection can help reduce unexpected expense pressure, allowing you to enjoy your trip with greater peace of mind.
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Important Notes for Allianz Travel Insurance
Coverage Period
Allianz Travel Insurance's single trip plan provides coverage for up to 182 days, while the annual trip plan applies to every individual trip that lasts up to 90 days, with unlimited trips throughout the year, flexibly meeting the needs of frequent travellers.
Age Restrictions
In terms of age restrictions, Allianz Travel Insurance applies to insured persons between 60 days and 75 years of age (including the first and last days). All trips must depart from Hong Kong. For online applications, the applicant and all insured persons must hold valid Hong Kong identity cards.
Exclusions
- War, civil war, riots, revolution, military coup, and other political turmoil
- Activities related to internationally sanctioned countries or individuals
- Travel to high-risk areas with travel alerts
- Mountain climbing, exploration, trekking above 3,000 metres
- Extreme sports, competitions, or professional sports
- Illegal activities or violations of government prohibitions
- Losses due to negligence or failure to take reasonable precautions
- Medical expenses related to pregnancy or childbirth
- AIDS, sexually transmitted diseases, mental illness, clinical insanity, suicide, or self-harm
- Losses caused by drug or alcohol influence
- Travel for the purpose of receiving treatment or travelling despite being unfit to do so
- High-risk occupations (such as diving, mining, aerial photography, kitchen work, construction, tour guiding, etc.)
- Testing or operating aircraft, racing activities, etc.
- Complete suspension of public transportation due to financial problems (such as bankruptcy)
- Losses compensable through other channels
- Losses caused by nuclear radiation, biochemical weapons, or major infectious epidemics
Which Allianz Travel Insurance Plan is Right for Me?
Choosing the most suitable travel insurance plan depends on clearly understanding your travel style, budget, and protection needs. Allianz Travel Insurance offers six major plans and covers both single trips and multiple annual trips, flexibly catering to different travellers' needs.
Carefully Review Protection Details
When choosing a plan, it's recommended to carefully read the coverage content and compensation limits of each plan. For example:
- Do you need coverage for trip cancellation or curtailment?
- Is the protection for personal electronic products such as mobile phones and laptops sufficient?
- Do you need coverage for high-risk activities such as skiing, diving, or trekking?
In addition, Allianz Travel Insurance plans provide dedicated protection for mobile phones/tablets, as well as COVID-19 medical and travel coverage, suitable for travellers with higher protection requirements.
Long-term Consideration
If you frequently travel abroad or need to travel frequently for work, an annual travel insurance plan may be more cost-effective than individual coverage for each trip. For this plan, multiple trips within a year are covered, saving time and convenience, especially suitable for business travellers or travel enthusiasts. Comparing premiums and coverage across different protection levels will help you make a more informed choice.
Utilise Existing Coverage
If you hold certain credit cards (such as platinum 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 your credit card's coverage scope, then consider whether you need to purchase additional travel insurance for supplementation, avoiding duplicate coverage while enhancing protection levels.
Compare Popular Travel Credit Cards
MoneyHero compares popular travel credit cards, which provide travel insurance, airmiles, lounge access and other benefits.
How Much are the Premiums for the Allianz Travel Insurance Plans?
|
Insurance Plan |
#MoneyHero Special Offer Price +【💰Exclusive 50% Off】+ New Year Lucky Bag Rewards + HK$100,000 Free Term Life Insurance |
|
Allianz Basic Plan (Plus) |
HK$83.76💰50% Off (Official website: HK$167.52) |
|
Allianz Standard Plan (Plus) |
HK$116.52💰50% Off (Official website: HK$233.04) |
|
Allianz Advanced Plan (Plus) |
HK$143.4💰50% Off (Official website: HK$286.8) |
|
Allianz Basic Plan |
HK$65.25💰50% Off |
|
Allianz Standard Plan |
HK$99.75💰50% Off (Official website: HK$199.5) |
|
Allianz Deluxe Plan |
HK$131.69💰50% Off (Official website: HK$263.38) |
|
#Example based on a 5-day Japan/Taiwan/Thailand trip (premium levy subsidised) The above premiums apply to one insured person aged 2 to 54 years. |
|
Premiums are for reference only; actual premiums will vary based on destination, trip duration, and coverage level.
Allianz Travel Insurance Claims Process
Required Documents for Claims
When submitting claims, the following information and documents are required:
- Policy number and insured person's basic information
- Claim application form
- Relevant supporting documents, such as: medical reports/receipts, police reports (if theft involved), travel document/ticket copies, or other relevant receipts or supporting documents
Note: Allianz must be notified within 30 days of the incident and the application being submitted. In case of death, immediate notification to the insurance company is required.
Claim Methods
The insured can submit applications through Allianz's official online claims platform, which is simple and quick to operate. Select the corresponding item according to the claim category (such as
medical expenses, trip cancellation, baggage delay, etc.), fill in the information, and upload the required documents to complete the application.
Processing Time
Allianz will review applications upon receiving complete submissions and make assessments based on individual cases. It is recommended to keep all original receipts and evidence to expedite the approval process.
Premiums are for reference only; actual premiums will vary based on destination, trip duration, and coverage level.
Is Allianz Travel Insurance Worth Purchasing?
Allianz Travel Insurance plans provide comprehensive coverage, covering common travel risks such as emergency medical care, trip cancellation, baggage loss, mobile device damage, and rental car excess, with multiple protection levels available for travellers to flexibly choose based on budget and trip requirements. This insurance is particularly thoughtful for travellers who enjoy driving on their own on the trip or need to protect valuable electronic equipment, offering targeted protection solutions.
It's important to note that before purchasing, one should carefully understand the relevant limitation clauses. For example, compensation for high-value equipment may have limits, and extreme sports, pre-existing conditions, and diagnoses after returning to Hong Kong are usually not within the coverage scope. However, it's worth noting that some high-risk activities (such as skiing, diving, etc.) may still be covered, provided they are conducted under the full guidance and supervision of qualified guides or instructors.
Overall, Allianz Travel Insurance offers excellent value for money, along with convenient and quick online claims processing and high transparency, making it a recommendable choice. Travellers are advised to carefully compare the coverage scope and terms and conditions of different plans based on their own needs, to select the most suitable option for a worry-free journey.
What types of plans does Allianz Travel Insurance offer?
Allianz offers "Standard" and "Plus" plan categories, each with Basic, Standard, and Deluxe plans to choose from. These six plans support both single journey and annual journey coverage.
What is the main coverage scope?
Coverage includes medical expenses, trip cancellation, interruption, personal accidents, baggage loss, as well as mobile device and rental car excess protection (Plus only).
Are there age restrictions?
The plans are applicable to Hong Kong residents aged from 60 days to 75 years old, all trips must depart from Hong Kong.
How high is the emergency medical coverage?
The Advanced plans provide up to HK$1,800,000 in medical coverage, plus a hospital cash allowance of HK$500 per day for up to 20 days.
What is the maximum compensation for personal accident coverage?
Public transportation accidents are covered up to HK$1,000,000, while general accidents are covered up to HK$500,000 (depending on the plan).
What does travel delay coverage include?
It includes trip cancellation due to diagnosis, trip interruption, flight delays, or itinerary changes, with the Advanced plans offering compensation up to HK$50,000.
Is there COVID-19-related coverage?
Allianz Travel Insurance provides coverage for COVID-19-related medical expenses (up to HK$1,800,000) and trip cancellation/interruption (up to HK$50,000), and overseas isolation allowance. Diagnoses after returning to Hong Kong are not covered.
Is coverage provided for high-risk sports?
What is the scope of electronic device protection?
The "Plus" category's Standard and Advanced plans cover mobile phones, laptops, etc., with compensation limits from HK$1,500 to HK$3,000. Losses or unreported thefts are not covered.
What documents are needed for claims?
The policy number, application form, medical reports, police reports, travel documents, and receipts are required for the claim application. Applications must be submitted within 30 days of the incident.
How long does the processing take?
The above information is for reference only. For details and complete policy terms, please refer to the product brochure.
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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:
-
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.
-
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.
-
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; |
|
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!
