|
Insurance Company |
Generali Travel Insurance |
|
Description |
Generali offers comprehensive travel insurance plans suitable for different travellers' needs, including a single trip travel plan, an annual travel plan for multiple trips, and coverage for students and families. The premiums are flexible, and the plans support direct overseas medical claims, making them ideal for travellers who prioritise medical support and claim efficiency. |
|
Advantages |
|
|
Disadvantages |
|
What Is Generali Travel Insurance?
Generali travel insurance offers flexible coverage plans tailored to different travellers' needs. Whether you're planning a one-time short trip, are a frequent business traveller, or are a family looking to travel together, Generali provides corresponding single-trip or annual multi-trip travel insurance options. Some plans even include medical coverage suitable for students and elderly travellers, comprehensively addressing the needs of different age groups and travel purposes. Some Generali plans support direct overseas medical claim services, eliminating your need to pay upfront when seeking medical treatment abroad, reducing the financial pressure from unexpected medical incidents, and making your journey more worry-free.
The Overview of Generali Travel Insurance Policy
Generali travel insurance, Bravo Travel Protector, offers flexible and diverse coverage plans, covering single trips, annual multi-trips, and providing exclusive options for family or student travellers, meeting different travel purposes and budget needs.
The overall policy is mainly divided into three coverage levels: Standard Plan, Classic Plan, and Premier Plan, suitable for travellers from budget-conscious to those valuing comprehensive protection.
These policies apply to one-time travel itineraries, with coverage including:
- - Overseas emergency medical expenses and emergency assistance
- - Flight delays, trip cancellations, and luggage loss protection
- - Third-party liability and personal property loss
The three options are:
- Standard Plan: Provides basic coverage, suitable for short trips or travellers with limited budgets
- Classic Plan: Enhances basic coverage amounts and adds additional allowances
- Premier Plan: This is the most comprehensive plan, including medical evacuation, direct overseas medical payment, etc., suitable for travellers seeking a larger coverage
Generali Travel Insurance Plans
|
Insurance Plan |
City-wide lowest price guarantee! #MoneyHero Special Price 【💰Exclusive 67% Off】 + <Generali Insurance X Travel Expert Exclusive Flight Discount Code> |
Official Price |
|
Bravo Travel Protector (Premier Plan) |
HK$238.09💰67% Discount |
HK$355 |
|
Bravo Travel Protector (Classic Plan) |
HK$168.34💰67% Discount |
HK$251 |
|
Bravo Travel Protector (Standard Plan) |
HK$130.78💰67% Discount |
HK$195 |
|
#Based on 5-day Japan/Korea/Thailand/Taiwan itinerary (premium levy subsidised) *Terms and conditions apply Purchase Now |
||
Generali Travel Insurance Medical or Trip Interruption Coverage
All three tiers of Generali travel insurance cover medical expenses and trip interruption claims.
|
Premier |
Classic |
Standard |
|
|
Medical Coverage |
HK$1,500,000 |
HK$1,000,000 |
HK$500,000 |
|
Trip Cancellation or Curtailment |
HK$40,000 |
HK$20,000 |
HK$10,000 |
Brief Analysis
The medical coverage amounts for the three tiers of Generali travel insurance range from HK$500,000 to HK$1,500,000, which is competitive for the Hong Kong travel insurance market. It not only covers medical expenses during the trip but also includes follow-up medical expenses. Of course, you need to remember to provide all relevant supporting documents, such as medical reports and receipts, to facilitate future claims.
For trip cancellation, if the insured is diagnosed before departure and the doctor confirms the condition is serious and not suitable for travel, they can receive "trip cancellation" coverage.
Example: The Premier Plan provides compensation of up to HK$40,000. Some travel insurances in the market offer maximum compensation of HK$50,000, but if the insured purchased a round-trip ticket from a budget airline to Tokyo for over HK$3,000 (usually budget airlines don't offer refunds), booked a non-refundable 5-day stay at a boutique hotel (with a budget of around HK$2,500), and purchased concert tickets (with a budget of around HK$1,500), the Premier Plan's benefit amount of up to HK$40,000 is expected to be more than sufficient to offset these travel expenses. So, you might think the lowest tier plan is a good enough option, instead, for your trip.
However, if you consider one step further, if you are diagnosed during the trip and the doctor confirms the condition is serious and that makes you not suitable to continue the trip or requires you to curtail it, you would need to book another flight back to Hong Kong, and the hotel you've already checked into may not refund for the remaining days of your supposed stay. At this point, the return flight ticket price might not be easily predictable, and the lowest tier may only compensate up to HK$10,000. Considering the hotel and even transportation to the airport, that HK$10,000 coverage might not be enough.
Trip Delay or Baggage Delay
Upon returning to normalcy after the pandemic, many airlines worldwide have experienced "long queues" due to staff shortages, or mechanical failures causing trip delays or baggage delays.
Brief Analysis
For all three plans of Generali travel insurance, the cash allowance compensated for the travel delays is the same: HK$500 every six hours, with a maximum compensation of HK$2,000, which is lower when compared to other travel insurances. However, considering the flight delays after returning to normalcy, there haven't been any serious situations exceeding ten-plus hours so far.
Does it include overbooking?
The product has an "overbooking" protection, with the Premier Plan offering up to HK$10,000 coverage, which is quite attractive and is a relatively rare item in the market. That is, if the insured cannot board due to airline "overbooking" while overseas, and the airline or any third party does not provide an allowance, then the insured can claim reasonable accommodation and meal expenses from Generali.
Purchase Now
Personal Property, Mobile Phone Protection
Having personal belongings stolen during a fun vacation my ruin the trip and experience for you. All three plans of Generali travel insurance cover personal luggage, mobile phone loss/damage, and car rental excess. The table below lists the maximum coverage amounts for different plans.
Brief Analysis
In terms of personal baggage coverage, the Premier Plan's compensation amount is similar to other travel insurances’; insured persons' personal baggage that is accidentally lost/damaged can receive coverage. For the coverage for the mobile phone loss/damage that many people are concerned about, all three plans reimburse up to HK$2,500, which is actually a decent amount. In the market, the general maximum compensation amount ranges from HK$2,000 to HK$3,000.
Is Generali Travel Insurance Worth Purchasing?
Compared to other travel insurances in the current market, all three plans of the Generali travel insurance offer more than adequate medical and trip interruption coverage. Additionally, all these protections have no deductible, meaning the insured person doesn't need to pay part of the expenses when claiming any item. In cases of unavoidable delays, the coverage period is automatically extended by up to 10 days, which is also thoughtful.
What Doesn't Generali Travel Insurance Cover?
Like most travel insurances, Generali's insurance plans also have certain limitations and uninsured items, with actual coverage scope depending on the chosen plan level. For example, the high-tier "Premier Plan" may cover road trip accidents overseas, but the Standard or Classic plans may not include this.
Some plans focus more on medical coverage and may not include trip cancellation or curtailment protection; conversely, plans focusing on trip protection may have limits on the compensation amounts for the medical expenses and may not cover pre-existing conditions.
Additionally, the following situations are generally listed as uninsured items:
- Incidents caused by the influence of alcohol or drugs
- Extreme sports or high-risk activities (such as skydiving, rock climbing, diving, etc.)
- Incidents occurring during participation in competitions or professional sports activities
- Known or named natural disasters, such as pre-announced typhoons or storms
- Pre-existing health conditions (such as chronic diseases, heart disease), unless an upgraded plan including such protection has been purchased
Therefore, it is recommended to carefully read the coverage terms and exclusions before purchasing, and choose a suitable plan according to the nature of the trip and your health condition. If high-risk activities are involved or you have suffered from major illnesses, you should pay special attention to the policy's limitations on pre-existing conditions.
Comparison of Generali Travel Insurance with Competitors
|
Insurance Company |
Basic Plan Cost (HKD) |
Premium Plan Cost (HKD) |
|
$126.88 |
$230.98 |
|
|
$140.80 |
$314.40 |
|
|
$116.57 |
$293.54 |
|
|
$100.20 |
$146.40 |
|
|
$99.75 |
$143.40 |
|
|
$125.73 |
$254.65 |
|
|
$122.77 |
$216.37 |
Want to review more Travel Insurance Plans?
MoneyHero compares over 60 single-trip and annual travel insurance plans, and offers exclusive discounts and gifts!
Which Generali Travel Insurance Plan Is Most Suitable for Me?
Choosing the most suitable travel insurance plan depends on clearly understanding your travel style, budget, and needs. Generali offers three levels of travel insurance plans (Standard, Classic, Premier), covering single and annual trips, and flexibly accommodating different customer groups.
Carefully Review Coverage Details
When choosing a plan, it is recommended to read the details of the policy and the limits of each plan thoroughly. For example:
- Do you need trip cancellation or curtailment protection?
I- s the protection for personal property, such as mobile phones and laptop,s sufficient?
- Do you need protection for rental excess when renting a car?
If you plan to participate in amateur activities such as skiing or diving, you should also confirm whether the plan covers high-risk activities.
Long-term Consideration
If you travel abroad frequently or need to travel frequently for work, an annual travel insurance plan may be more cost-effective than insuring separately each time. This type of policy can provide continuous protection for multiple trips within a year, saving time and convenience, especially suitable for business travellers or travel enthusiasts. Comparing the premiums and protection days of different plans will help you make a wiser choice.
Utilise Existing Protection
If you hold certain credit cards (such as platinum cards or travel credit cards), the card company may already provide basic travel protection for you, such as trip delay, baggage delay, or medical assistance. You can check the coverage scope of your credit card, then consider whether you need to upgrade your travel insurance for additional coverage, avoiding duplicate purchases.
Does Generali Travel Insurance Provide 24/7 Travel Assistance?
Yes, all Generali travel insurance plans include 24-hour worldwidel emergency assistance service. No matter what unexpected situation you encounter overseas, their support team can provide assistance. The policy will list the emergency hotline number, and it is recommended to record it or save it in your phone before departure for easy contact at any time.
How to Make a Claim to Generali Travel Insurance
If you need to make a claim for medical expenses, luggage loss, or trip delay during your travel, Generali provides a convenient online application process, allowing you to complete the entire process quickly.
Claim steps are as follows:
1. Prepare necessary documents
Prepare medical bills, police records (if luggage is stolen), flight delay proof, hotel cancellation proof, etc., and ensure all receipts are originals or clear and readable copies.
2. Log in to Generali's online customer portal or use the designated claim form
You can download and fill out the claim form from the official website, or upload claim information through the designated platform. Some plans support electronic claims, eliminating the need to mail physical documents.
3. Submit the form and related documents
Upload or mail the completed claim application form and supporting documents to the insurance company as instructed, and note down the claim number for subsequent inquiries.
4. Wait for approval and receive compensation
The review time depends on the case. It usually takes from several working days to several weeks. It is recommended to regularly check emails or the insurance company's portal for the latest progress.
Travel Insurance
Remember to buy travel insurance before leaving Hong Kong for the most comprehensive protection! Don't want to spend time figuring out which coverage includes mobile phones, road trips, trip cancellation, COVID-19, and luggage damage? Our website compares over 60 travel insurance plans, making it easy to buy for individuals, families, annual travellers, and seniors.
Financial insights at your fingertips
Explore new ways to earn, save, and grow your money for short and long-term goals. Browse the latest analyses, tips and hacks from the MoneyHero team so you can get the most from your dollars!
Need some help?
No worries, we've got you covered!
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:
-
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!
