Table of Contents
What is Blue Cross Travel Insurance?
The Features of Blue Cross Travel Insurance MoneyHero - The Travel Insurance Expert
Blue Cross Travel Insurance Premiums Comparison of Coverage Types
Analysis of Medical Coverage Items
Protection for Baggage Delays and Damage
Items Not Covered by Blue Cross Policies
Comparison Between Blue Cross and Competitors
How to Purchase a Blue Cross Policy
Which Blue Cross Travel Insurance Plan Is Best for Me?
Does Blue Cross Provide 24/7 Travel Assistance?
How to Make a Claim with Blue Cross Travel Insurance
Is Blue Cross Travel Insurance Worth Purchasing?
Conclusion
Frequently Asked Questions
Before you start reading, it's very important to note that Blue Cross travel insurance does not provide any COVID-19 coverage. For those who highly value this protection, you can visit MoneyHero's analysis of other travel insurance plans:
However, if you believe the world has returned to normal and non-COVID coverage is the focus, Blue Cross travel insurance plans may offer the suitable flexibility for you, with multiple trip coverage (i.e., three trips per year, with premiums relatively cheaper than single trips) and coverage for accommodation and transportation losses due to overbooking. These coverages are suitable for travel enthusiasts concerned about being unable to board due to overbooking, as they are not typically included in general travel insurance.
What is Blue Cross Travel Insurance?
Blue Cross is a well-known travel insurance brand in Hong Kong that provides comprehensive protection for travellers, allowing you to enjoy worry-free journeys. Whether for short trips, long journeys, or business trips, Blue Cross offers flexible insurance plans, including single-trip and annual travel protection. Its coverage encompasses accidental medical expenses, lost luggage, flight delays, trip cancellations, and personal liability protection, ensuring immediate support in case of unexpected situations during your journey. The application process is simple and quick, with exclusive discounts available through online enrollment to help you easily plan your next trip.
The Features of Blue Cross Travel Insurance
Blue Cross “Travel Smart” insurance offers three flexible protection plans, including Single-trip, Multi-trip, and Annual Cover, to meet the needs of different travellers. Its insurance coverage is extensive, ensuring travellers receive comprehensive protection in various situations.
The Outbound Travel Alert Extension ensures that trips remain covered even when the Hong Kong government issues yellow, red, or black travel alerts for the destination, providing extra reassurance. For outdoor activity enthusiasts, the insurance plan covers recreational and amateur sports such as skiing, diving, skydiving, bungee jumping, hiking, and various water activities, allowing you to explore extreme experiences with peace of mind. Furthermore, the plan provides cruise trip protection, including reimbursements for cancelled voyages, disrupted shore excursions, and additional satellite phone expenses.
If the travel destination is closed due to unpredictable and severe disruption, or if the local tour operator goes bankrupt, leading to trip cancellation, the insurance also includes tour cancellation cover, ensuring travellers do not suffer financial losses due to non-refundable expenses. At the same time, trip interruption cover applies to situations such as being unable to board due to overbooking and delays of public conveyance, and the need to pay for extra expenses needed due to hotel or car rental company bankruptcies. This cover provides special allowances so travellers can still complete their journey smoothly despite unexpected situations.
Blue Cross Travel Insurance Premiums
|
#Single Trip Premium |
MoneyHero Offer 【💰Exclusive】Enter "MoneyHero" |
|
|
Blue Cross Travel Smart Premier Plan |
HK$208.5 (Official price: HK$278) |
💰25% discount + Free 6-month Deliveroo Plus Silver Membership |
|
Blue Cross Travel Smart Select Plan |
HK$127.5 💰25% discount (Official price: HK$170) |
💰25% discount + Free 6-month Deliveroo Plus Silver Membership |
|
#Based on a 5-day trip to Japan/Korea/Thailand/Taiwan (Insurance levy included) |
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Comparison of Coverage Types
Blue Cross travel insurance offers two types of coverage to choose from: single trip and multiple trip coverage. The former is similar to general travel insurance, covering one trip with a maximum duration of 180 days; the latter is designed for individuals (not suitable for couples and families) who travel three times a year, with a maximum duration of 5 or 7 days each time, with premiums much lower than applying for single-trips plan three times separately.
For example, if you are planning to take three six-day trips to Japan within a year and purchase the Single-trip Cover’s Premier Plan three times with a 25% discount through MoneyHero, the Blue Cross Travel Smart - Premier Plan would cost a total of HK$253.5 * 3 = HK$760.5.
If you purchase the Multi-Trip Cover, which must be done through the Blue Cross SmartClub platform, the premium would be HK$537. This provides the same travel coverage but saves 30% on premiums!
Brief Analysis
Therefore, it is recommended that travel enthusiasts who plan to travel three or more times within a year and want to purchase Blue Cross travel insurance should consider Multi-trip Cover, as it is clearly more cost-effective.
However, if you are a travel enthusiast who travels many times a year, you might consider buying annual travel insurance. Starting today, successful enrolment through MoneyHero can enjoy a 25% discount (enter promo code: MoneyHero) and receive a free 6-month Deliveroo Plus Silver Membership.
Want to review more Travel Insurance Plans?
MoneyHero compares over 60 single-trip and annual travel insurance plans, and offers exclusive discounts and gifts!
Analysis of Blue Cross Travel Smart’s Medical Coverage
|
Single-trip Cover, Multi-trip Cover |
||
|
Plan Level |
Premier Plan |
Select Plan |
|
Medical Expenses |
HK$1,200,000 |
HK$600,000 |
|
Follow-up Medical Expenses After Returning to Hong Kong |
HK$120,000 |
HK$60,000 |
|
Overseas Hospital Cash Allowance |
HK$12,000 |
HK$5,000 |
|
Automatic Extension of Protection Period |
10 days |
10 days |
|
Eligible Age for Insurance |
6 weeks or above |
|
Brief Analysis
Both Blue Cross plans provide coverage for essential medical expenses. The Premier Plan offers medical expense coverage up to HK$1.2 million, which is lower than the highest-tier plans from Allianz, Zurich, and AXA, but the amount is generally sufficient and ranks in the middle of the market.
Additionally, both plans provide coverage for follow-up medical expenses after returning to Hong Kong. If you are accidentally injured during your trip or consult a local doctor first for an illness, follow-up medical expenses within 90 days after returning to Hong Kong are also covered.
Tip: Please note that for seniors over 70 years old, the maximum reimbursement for medical expenses is 50% of the chosen plan's limit. For example, the Premier Plan's maximum medical expense compensation would be HK$600,000.
Trip Cancellation/Interruption
|
Single-trip Cover, Multi-trip Cover |
||
|
Plan Level |
Premier Plan |
Select Plan |
|
Trip Cancellation |
HK$50,000 |
HK$10,000 |
|
Trip Interruption |
HK$50,000 |
HK$25,000 |
|
Sub-item: Trip Curtailment |
HK$50,000 |
HK$25,000 |
|
Sub-item: Overbooking |
HK$10,000 |
HK$2,500 |
Brief Analysis
In the post-pandemic era, people are more concerned about protection against trip interruptions. Blue Cross travel insurance's Premier Plan offers up to HK$50,000 coverage for both trip cancellation and trip interruptions, on par with major travel insurances in the market.
For trip cancellations, policyholders can receive compensation for non-refundable prepaid transportation tickets, accommodation, tour groups, tickets for major sporting events, musicals, concerts, museums, or theme parks if they cannot continue their journey due to the following situations. The coverage for these activities is very comprehensive.
Covered Reasons:
- Adverse weather, natural disasters, infectious diseases, public transportation strikes, and travel alerts; or
- Insured children needing to attend school interviews or public examinations organised by the Hong Kong Examinations and Assessment Authority that have been rescheduled to the planned trip period.
Regarding trip interruptions, there is one aspect that is special compared to other travel insurances: it provides compensation for the insured for additional accommodation and meal expenses due to being unable to board public transportation, such as missed flights caused by overbooking, without receiving compensation or subsidies from the relevant airline or third party. This protection is quite useful for travellers concerned about being unable to board due to overbooking.
Protections for Baggage Delays and Damages
|
Single-trip Cover, Multi-trip Cover |
||
|
Plan Level |
Premier Plan |
Select Plan |
|
Baggage Coverage |
HK$20,000 |
HK$10,000 |
|
Sub-items: |
||
|
Sports equipment (per article/per pair/per set) |
HK$50,00 |
HK$3,000 |
|
Mobile phone (per journey) |
HK$3,000 |
HK$4,000 |
|
Laptop computer or tablet computer (per journey) |
HK$6,000 |
HK$4,000 |
|
Other baggage and personal property (per article/per pair |
HK$3,000 |
HK$2,000 |
Brief Analysis
Blue Cross travel insurance's baggage compensation covers expenses caused by the loss or damage of luggage, mobile phones, laptops, tablets, and personal belongings. This coverage is relatively attractive compared to other travel insurances, as not many travel insurance plans in the market simultaneously cover mobile phones and laptops. This is an advantage for those who need to carry various electronic devices when travelling abroad.
However, it's important to note that the belongings mentioned in the table above must be lost, damaged, or destroyed due to theft, robbery, burglary, accident, or carrier mishandling to be eligible for compensation. In other words, simply forgetting or misplacing an item is not covered.
Items Not Covered by Blue Cross Policies
When choosing travel insurance, understanding what is not covered by the policy is equally important. Blue Cross travel insurance exclusions include, but are not limited to, the following situations:
- Pre-existing Medical Conditions: Any illnesses or injuries known before purchasing insurance, or symptoms that appeared before the policy became effective, are not covered.
- High-Risk Activities: Participation in professional or extreme sports, such as racing, rock climbing, or other high-risk activities, may not be covered.
- Illegal Activities: Losses or liabilities resulting from engaging in illegal activities or violating the law are not compensated by the policy.
- War or Terrorist Activities: Losses caused by war, civil unrest, or terrorist activities are usually not within the coverage scope.
- Pregnancy-Related Matters: Medical expenses related to pregnancy or childbirth are generally not covered, unless they are complications resulting from an accident.
Please note that the above are only partial exclusions. For the details, please refer to the terms and conditions of Blue Cross travel insurance.
Comparison Between Blue Cross and Competitors
|
Insurance Company |
Insurance Plan |
Coverage Type |
Premium |
Selling Point |
Personal Accident Protection (HKD) |
Overseas Medical Protection (HKD) |
Trip Cancellation Protection |
Baggage Damage/Loss Protection |
|
bolttech |
MyTravel Insurance (Economy Plan) |
Single Trip/Annual |
Single trip: From HK$112 / Annual travel: From HK$1,275 |
100% reimbursement if an earthquake occurs at the destination, 1 week before departure |
Up to $1,000,000 |
Up to $1,500,000 |
Up to $50,000 |
Up to $20,000 |
|
TraveLead (Essential Plan) |
Single Trip/Annual |
Single trip: From HK$100 / Annual travel: From HK$1,050 |
New extended coverage for overseas medical expenses related to coronavirus |
Up to $1,500,000 |
Up to $1,500,000 |
Up to $50,000 |
Up to $20,000 |
|
|
Travel Smart (Select Plan) |
Single Trip/Annual |
Single trip: From HK$172 / Annual travel:From HK$1,344 |
Personal money coverage, loss of travel document compensation |
Up to $1,200,000 |
Up to $1,200,000 |
Up to $50,000 |
Up to $20,000 |
|
|
Travel Insurance (Standard Plan) |
Single Trip/Annual |
Single trip: From HK$73.1 / Annual travel: FromHK$1,178.1 |
Personal effects and travel document protection |
Up to $1,000,000 |
Up to $1,000,000 |
Up to $50,000 |
Up to $15,000 |
|
|
TravelGuard (Essential Plan) |
Single Trip/Annual |
Single trip: From HK$17 / Annual travel: HK$3,200 |
Emergency medical expenses and assistance up to HK$1,000,000 |
Up to $1,200,000 |
Up to $1,000,000 |
Up to $20,000 |
Up to $10,000 |
|
|
Get “Z” Go (Breezy Plan) |
Single Trip/Annual |
Single trip: From HK$100 / Annual travel:HK$2,580 |
Free coverage for accompanying children when adults purchase insurance |
Up to $1,500,000 |
Up to $1,500,000 |
Up to $50,000 |
Up to $25,000 |
How to Purchase a Blue Cross Policy
To purchase Blue Cross "Travel Smart" insurance, you only need to click the orange "Purchase Now" button below. After clicking, you will be directed to Blue Cross's official website and enter the corresponding application page. On this page, you can:
- Choose a plan that suits you: Select a suitable plan based on your needs and budget.
- Check coverage details: The website clearly lists various compensation items, such as medical expense coverage, baggage protection, and trip cancellation protection.
- Fill in personal information: Enter your personal information and trip details.
- Complete payment: Choose your preferred payment method and complete the premium payment.
By clicking the orange button, you can quickly and conveniently complete the Blue Cross travel insurance purchase process, adding a sense of security to your journey.)
Which Blue Cross Travel Insurance Plan Is Best for Me?
Check Protection Details
Blue Cross "Travel Smart" insurance offers various protections to meet the needs of different travellers. Overall, Blue Cross travel insurance provides coverage for medical expenses, personal accidents, trip delays, lost travel documents, and protection for leisure and non-professional sports. Additionally, Blue Cross travel insurance offers a travel alert extension, meaning your trip is still covered even if the Hong Kong government issues yellow, red, or black travel alerts for your destination. When choosing a plan, carefully compare the coverage highlights of different plans and make your choice based on your travel plans and personal needs.
Long-term Considerations
If you travel frequently, an annual travel plan may be more cost-effective. Blue Cross offers annual multi-trip protection, suitable for travellers who will travel multiple times within a year. The premium for an annual travel plan is usually more economical compared to purchasing a single-trip plan multiple times, saving you the trouble of buying insurance before each trip. When choosing an annual travel plan, carefully read the policy terms to understand the maximum coverage period and scope for each trip.
Utilise Existing Coverage
Before purchasing Blue Cross travel insurance, check if you already have other travel protection in place. For example, some credit cards provide travel insurance coverage, or your medical insurance may already cover overseas medical expenses. Understanding your existing coverage can help you avoid purchasing duplicate insurance and save on premiums. Additionally, you can consider using Blue Cross's travel insurance as a supplement to your existing coverage for more comprehensive protection.
Compare Popular Travel Credit Cards
MoneyHero compares popular travel credit cards, which provide travel insurance, airmiles, lounge access and other benefits.
Is Blue Cross Travel Insurance Worth Purchasing?
As a well-known insurance company in Hong Kong, Blue Cross's travel insurance products have certain advantages. They offer various plan options to meet the needs of different customers and provide comprehensive coverage, including medical expenses, trip cancellation, baggage loss, and other protections. Additionally, Blue Cross's 24-hour worldwide emergency aid services also provide travellers with extra peace of mind. However, whether it is worth it specifically depends on your personal needs and budget. It is recommended that you carefully compare products from different insurance companies and choose the plan that best suits you.
Conclusion
Blue Cross travel insurance offers strong coverage in terms of medical, trip interruptions, and baggage protection, and features multiple trip protection options that can save premiums for individuals who travel three times a year. Even the single-trip premium is not expensive, making it more suitable for singles or couples travelling abroad.
However, it is not very suitable for seniors or families, as the plan does not include COVID coverage and does not offer family plans with free children's premiums. For elderly friends and parents who place greater emphasis on health protection, this plan should clearly not be considered.
1. Does Blue Cross travel insurance cover mobile phones?
Blue Cross travel insurance's Baggage Benefit covers the expenses caused by the loss or damage of luggage, mobile phones, laptops, tablets, and personal belongings. This coverage is relatively attractive compared to other travel insurances, as not many travel insurance plans in the market simultaneously cover mobile phones and laptops.
2. What are the features of Blue Cross travel insurance?
Blue Cross travel insurance plans are quite flexible, offering multiple trip coverage (i.e., three trips per year, with premiums relatively cheaper than single trips), and coverage for accommodation and transportation losses due to overbooking, suitable for travel enthusiasts concerned about being unable to board due to overbooking.
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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!
