Table of Contents
AXA Travel Insurance: Overview and Features
AXA Travel Insurance - Medical Coverage
AXA Travel Insurance - Trip Interruption
AXA Travel Insurance - Personal Effects
What Items Are Not Covered by AXA "SmartTraveller Plus" Travel Insurance?
AXA Travel Insurance Claim Procedures
Is AXA Travel Insurance Worth Purchasing?
Credit Card Annual Travel Insurance
AXA Travel Insurance: Overview and Features
AXA "SmartTraveller Plus" travel insurance offers 3 plan levels: Standard, Premier and Privilege. Different plans have different coverage scopes and compensation amounts, with "Privilege" being the highest tier.
|
Plan |
MoneyHero Special Price* |
|
Standard Plan |
$95.9 💰30% discount available now |
|
Premier Plan |
$158.2 💰30% discount available now |
|
Privilege Plan |
$241.5 💰30% discount available now |
|
*Example based on a 5-day trip to Japan/Korea/Thailand/Taiwan (including premium levy) |
|
-
- - Free Coverage for Children: Children can enjoy free protection under the same policy.
- - Annual Family Coverage: The whole family can be protected under one policy by paying just one premium total.
- - Personal Belongings Protection: Covers accidental loss or damage to mobile phones, tablets, laptops, and luggage.
- - Coverage for Driving: Protection for collision damage or theft of rented vehicles.
- - Enhanced Cruise Benefit: Covers cruise trip cancellation and curtailment protection.
- - Virtual Medical Consultation Service: Newly added online medical consultation service and medication delivery service.
- - Annual Protection Period: Single Journey policy can provide protection for up to 360 days while Annual Plan covers 90 days per trip with unlimited trips within the policy year.
- - Medical Protection: Up to HK$1 million, with two free virtual medical consultations and medication delivery coverage (applicable only to Annual Plan).
- - Coverage for Amateur Sports: Over 40 recreational sports are covered for personal accident and overseas medical expenses protection.
AXA Travel Insurance - Medical Coverage
In addition to covering medical expenses due to accidents or illness, AXA travel insurance also includes hospital admission guarantees, hospital translation/interpretation services, and will compensate for follow-up consultation expenses within three months of returning to Hong Kong, covering the following situations:
- Due to an accident or injury
- Chinese medicine, acupuncture, physiotherapy, or chiropractic treatment
However, note that under the same plan, insured persons of different age groups have different coverage amounts. For medical and related expenses, insured persons over 70 years old receive half the coverage amount of the 18-70 age group, while those under 18 receive 25%. In Single Journey plans, all children on the same policy as their parents can enjoy free coverage. If insured persons under 18 want full coverage, they will be charged the adult’s premium amount.
The table below lists the maximum compensation amounts for medical expenses coverage and sub-items for each insured person aged 18-70 under different plans:
-
-
Benefits
Standard Plan
Premier Plan
Privilege Plan
Medical and Related Expenses
HK$250,000
HK$500,000
HK$1,000,000
Sub-limits
Chinese medicine, acupuncture, physiotherapy, or chiropractic treatment
HK$3,000 (HK$200 per day)
HK$3,000 (HK$200 per day)
HK$3,000 (HK$200 per day)
Hospital admission guarantee
HK$4,000
Hospital translation/interpretation services
HK$5,000 (HK$500 per day)
Follow-up consultation expenses within three months of returning to Hong Kong
Due to accident, injury, or illness: 10% of the maximum compensation amount
Chinese medicine, acupuncture, physiotherapy, or chiropractic treatment: HK$3,000 (HK$200 per day)
Daily hospital cash*
HK$3,000 (HK$500 per day)
HK$3,000 (HK$500 per day)
HK$5,000 (HK$500 per day)
Daily compulsory quarantine cash*
HK$3,500 (HK$500 per day)
HK$3,500 (HK$500 per day)
HK$5,600 (HK$800 per day)
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Analysis of Medical Coverage
From the sub-items, it's evident that AXA has considered the insured's needs thoroughly. Although hospital translation/interpretation service protection sounds specialised and few travel insurance plans in the market currently include this part, this coverage is indeed necessary when encountering complex medical procedures in countries with language barriers (for example, Japan, France). Additionally, if the insured is hospitalised during travel, AXA also provides compensation for "Compassionate Visit" and "Return of unattended children to Hong Kong," though flights are limited to economy class. For more details, please read the policy.
AXA Travel Insurance - Trip Interruption
Trip interruption protection includes travel interruptions, loss of deposits or trip cancellation, curtailment, and other situations. The table below provides an overview of AXA's maximum compensation amounts for different items related to travel interruption.
|
Benefits |
Standard Plan |
Premier Plan |
Privilege Plan |
|
Travel Interruption |
Not covered |
HK$5,000 |
HK$10,000 |
|
Loss of Deposit/Trip Cancellation* |
HK$25,000 |
HK$50,000 |
|
|
Trip Curtailment* |
HK$25,000 |
HK$50,000 |
|
|
*For claims due to black outbound travel alerts, compensation is 100% of non-refundable deposits or expenses; for red outbound travel alerts, it's 50% of non-refundable deposits or expenses.
The "Travel Interruption" protection mentioned above includes various sub-limits, such as cash allowances for travel delays of 6 hours or more and additional overseas accommodation expenses incurred as a result. For the Privilege Plan, both claims have compensation amounts of HK$3,000, with cash allowances calculated at HK$300 per 6 hours. Other sub-limits include protection for missed transportation connections and overbooking. All protections have exclusions; please read the policy for more details.
Brief AnalysisAXA SmartTraveller Plus’ coverage amounts for trip interruption remain largely unchanged from its previous version. In the market, its trip cancellation protection is higher than most other travel insurance plans, with a maximum compensation of HK$50,000, covering non-refundable deposits or expenses for transportation, accommodation, or missed activities. Another noteworthy point is the overbooking protection, which is not currently included in all travel insurance plans on the market, so this is definitely a bonus feature!
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AXA Travel Insurance - Personal Effects
Personal effects coverage is absolutely a major focus of AXA's updated policy details. The updated plans' coverage is more comprehensive than before. Previously, only the highest-tier plan covered laptops, but now the mid-tier "Premier Plan" also includes laptop protection. Additionally, the new plan includes tablet and mobile phone protection to meet market demands, though this new protection is limited to the highest-tier "Privilege Plan."
|
Benefits |
Standard Plan |
Premier Plan |
Privilege Plan |
|
Baggage and Personal Belongings |
HK$3,000 |
HK$8,000 |
HK$15,000 |
|
Sub-limits |
|||
|
Per article/pair/set of articles |
HK$500 |
HK$1,500 |
HK$2,000 |
|
Per laptop computer* |
Not covered |
HK$5,000 |
HK$5,000 |
|
Per tablet computer or mobile phone* |
Not covered |
HK$2,000 |
|
|
Suitcase, trunk, receptacle, or similar items |
HK$1,000 (HK$750 per item) |
HK$2,000 (HK$1,500 per item) |
|
|
*Limited to only one laptop computer, tablet computer, or mobile phone |
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Brief Analysis
Although the personal baggage protection has expanded its coverage, the maximum compensation amount for the entire "Baggage and Personal Effects" coverage has actually been reduced compared to the old plan, from HK$20,000 to HK$15,000. It is recommended that you first consider whether you value the scope of the coverage (such as coverage for mobile phones and tablets) or higher compensation amounts before deciding to purchase.
Before purchasing, also note that you can select one out of three electronic devices - laptops, tablets, or mobile phones - for coverage. When the insured claims for baggage and personal belongings, they must also pay a deductible, which is 20% of the loss.
Additional Options and Supplementary Services
AXA "SmartTraveller Plus" travel insurance offers the following additional options and supplementary services:
1. Enhanced Cruise Benefit:
- Covers cruise trip cancellation and interruption.
- Covers cruise hijacking-related accident.
- Covers satellite phone call on cruise.
2. Coverage for Driving on a Road Trip: Protection for collision damage or theft of rented vehicles.
3. Free Optional Benefits: For the insured persons returning to Hong Kong, free optional benefits are provided, including accidental death or permanent total disability compensation, coverage for permanent total disability, and baggage or personal effects protection.
4. Virtual Medical Consultation: Annual travel plans provide two free virtual medical consultations per policy year at designated overseas locations, covering medicine delivery expenses. (Applicable only to annual travel plans)
5. Annual Plan’s Family Coverage: The whole family can be protected under one policy by paying just one total premium.
6. Free Coverage for Children: Single Journey Plan provides free coverage for children under the same policy as their parents.
What Items Are Not Covered by AXA "SmartTraveller Plus" Travel Insurance?
Uninsured items include, but are not limited to, the following situations:
- Racing, such as car racing, motor rallies, horse racing, swimming competitions, sailing, cycling, and skiing, etc. (competitions conducted on foot, such as running or race walking, are not included in this restriction)
- Aviation activities (except as a fare-paying passenger on a licensed aircraft)
- Pre-existing medical conditions or illnesses before departure
- Participation in any form of professional sports or competitions
- Situations caused by war, invasion, riots, or military uprisings
- Self-inflicted injury or illness
- Travelling against medical advice or for the purpose of seeking medical treatment
- Conditions resulting from sexually transmitted diseases, AIDS, or related syndromes
- Pregnancy, miscarriage, childbirth, and related complications
- Events known to the public before applying for Single Journey policy, or before booking travel arrangements under an annual travel cover
- Engaging in any form of labour or physical work
- Claims for medical and related expenses, global emergency assistance services, and enhanced medical and related expenses resulting from:
> Events involving red or black outbound travel alerts issued by the Hong Kong government (except COVID-19), unless the trip had already commenced before the relevant warning was issued
> Claims caused by vaccine-preventable diseases if both of the following conditions are met:
(i) You have not been vaccinated; and
(ii) the Hong Kong government or the government of your destination country requires vaccination
> Loss of deposits or trip cancellation due to red or black outbound travel alerts caused by a pandemic
AXA Travel Insurance Claim Procedures
Insured persons can submit travel insurance claims through a mobile application (EMMA BY AXA) or email completed claim forms and relevant supporting documents to travel.claims@AXA.com.hk.
The steps for submitting claims through the mobile application are as follows:
- Download and complete the relevant claim form
- Prepare all required supporting documents
- Upload the claim form and the supporting documents to complete the submission
Once all the necessary documents are received, AXA will process the claim application within seven working days. After the claim is approved, the insured will receive a confirmation letter or email. If necessary, AXA reserves the right to request additional documents to complete the review.
Is AXA Travel Insurance Worth Purchasing?
AXA "SmartTraveller Plus" travel insurance offers comprehensive coverage, including medical expenses, trip cancellation, baggage and personal effects, and other items. It provides three plans—"Standard," "Premier," and "Privilege"—allowing flexible choices based on needs. It is especially suitable for family travellers, as children can be included in their parents' policy for free, and there is family coverage available in the Annual Plan, which is both convenient and economical. Additionally, it offers extra protection for driving and cruise itineraries, catering to different travel styles.
However, it should be noted that some benefits have relatively low compensation amounts (such as baggage and belongings), and a deductible must be paid when claiming, which may increase actual expenses. There are also exclusions, including pre-existing conditions, war, terrorist activities, etc. It is essential to read the terms in detail before purchasing to avoid disputes.
Whether AXA "SmartTraveller Plus" travel insurance is suitable for you depends on your individual needs. If its coverage aligns with your travel habits, it can be considered.
How to Maximise Your Benefits
In Hong Kong, multiple banks offer credit cards with complimentary travel insurance, such as HSBC EveryMile Credit Card, Citi PremierMiles and Prestige Credit Card, American Express The Platinum Card, etc. In most cases, the relevant credit card must be used to pay for travel expenses to activate the protection. The coverage includes personal accidents, medical expenses, baggage delays, etc. Some cards, like the American Express Platinum Card, provide coverage without requiring spending. To get the maximum protection benefit, you can use platforms like MoneyHero to compare over 60 popular credit cards and choose the most suitable one based on your needs.
Compare Popular Travel Credit Cards
MoneyHero compares popular travel credit cards, which provide travel insurance, airmiles, lounge access and other benefits.
Credit Card Annual Travel Insurance
|
Credit Card Name |
Insurance Provider |
Annual Fee |
Insured Persons |
Activation Conditions |
|
AXA Insurance |
Premium is free for the first year; the premium for the second year is automatically waived with HK$80,000 spending |
Cardholder, spouse, and dependent children |
Must use HSBC EveryMile Credit Card to pay the full amount for the following expenses and depart within 180 days from the payment date:
|
|
|
Zurich |
HK$1,800 |
Cardholder, spouse, and dependent children |
Must pay the full travel expenses with the credit card |
|
|
HK$3,800 |
||||
|
Chubb Insurance |
HK$2,200 |
Cardholder, spouse, and dependent children |
Must pay the full travel expenses with the credit card |
|
|
American Express Cathay Pacific Elite Credit Card |
HK$1,800 |
|||
|
American Express Cathay Pacific Credit Card |
HK$980 |
|||
|
HK$9,500 |
Conclusion
This update to AXA's "SmartTraveller Plus" travel insurance has indeed made the plan's coverage more comprehensive. Most compensation amounts of the benefits are close to those before the update, with only personal baggage and effects slightly reduced.
AXA has also established/added several relatively rare but thoughtful protections that meet market needs, such as home contents protection—protecting the insured's home contents in Hong Kong from damage or loss due to fire or burglary during their absence—and overseas interpretation services—for example, if the insured's mobile phone is stolen and they report to the local police, AXA can cover the interpretation service fees for communicating with police, customs, or other local government agencies.
What coverage does AXA travel insurance provide?
AXA travel insurance offers diverse coverage, including:
- Medical Coverage: Provides up to HK$1 million in medical expense coverage, including hospitalisation and emergency medical services.
- Trip Coverage: Includes expenses related to trip delays, cancellations, or interruptions.
- Baggage Protection: Covers lost or damaged baggage and compensation for urgently needed items.
- Accident Protection: Covers accidents during the trip, including accidental death or disability.
- Additional Benefits: Covers special activities, such as extreme sports, cruise, and driving.
Can I purchase "SmartTraveller Plus" for family, friends, or relatives?
Yes. Even if you're not travelling with your relatives, you can apply for the "SmartTraveller Plus" Single Journey Plan for up to 20 relatives at once.
When should I purchase travel insurance?
After paying for flights and hotel expenses, you can consider buying travel insurance to address unexpected trip cancellations or deposit losses, thus receiving corresponding compensation. Taking AXA "SmartTraveller Plus" travel insurance as an example, it can be purchased as early as 180 days before departure. However, the coverage amount and compensation method will depend on the actual situation and cancellation time, so you should carefully read the policy terms before purchasing. Additionally, insurance must be purchased before departure; insurance purchased after departure will not be covered, so it is recommended to arrange the application early to ensure a worry-free journey.
The above information is for reference only. For details and complete policy terms, please refer to the AXA official website and product brochure.
The above information is for reference only. For details and complete policy terms, please refer to the product brochure.
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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.
-
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!
