|
Insurance Company |
Zurich Insurance Group |
|
Advantages |
|
|
Disadvantages |
|
Zurich Get “Z” Go+ Travel Insurance Plan Introduction
Zurich Get “Z” Go+ travel insurance plan offers both single trip and annual travel plans to meet different travellers' needs. Each plan provides comprehensive medical coverage, trip interruption compensation, personal belongings cover, and newly added free coverage for one accompanying child and optional coverage combinations, allowing travellers to enjoy their journey worry-free.
Zurich Get “Z” Go+ Travel Insurance Plan Types
Zurich Get “Z” Go+ single trip travel plan comes in three levels: "Breezy," "Elite," and "Supreme," while the annual travel plan offers "Elite" and "Supreme" protection options, suitable for different budgets and needs.
The Scope of Coverage of Zurich Get “Z” Go+ Travel Insurance
-
• Emergency medical expenses
• Trip cancellation or curtailment
• Baggage delay or loss
• Personal accident cover
• 24-hour global emergency assistance
• Electronic device cover (mobile phones, tablets, aerial cameras, etc.)
• Rental vehicle excess cover
• 100% full coverage for the elderly
• Free protection for one accompanying child
• Optional coverage (amateur sports, cycling tours, cruise trips, pet protection)
Suitable for
Zurich Get “Z” Go+ travel insurance is suitable for people of all ages, especially for family travel, providing free accompanying child coverage without kinship restrictions. There is no upper age limit for single-trip travel plans, while the annual travel plan has an initial enrolment age limit of 75, with renewals possible up to 80 years of age. Elderly individuals can enjoy 100% full coverage, making it especially suitable for families travelling with elderly members and children.
The Overview: Zurich Get “Z” Go+ Travel Insurance: Core Benefits
Overseas Medical Expenses and Assistance
Zurich Get “Z” Go+ provides inpatient and outpatient medical expense coverage, with maximum protection up to HK$1,500,000 depending on the chosen plan. Additionally, it includes an overseas hospitalisation cash allowance of up to HK$500 per day, emergency transportation back to Hong Kong, and 24-hour global emergency medical support services.
Medical or Follow-up Expenses After Returning to Hong Kong
Zurich Get “Z” Go+ plans specifically cover subsequent medical expenses after returning to Hong Kong, including outpatient and Chinese medicine/chiropractic follow-up expenses, ensuring policyholders continue to receive medical support after the journey ends.
Travel Interruption Coverage
The insurance includes multiple types of travel interruption coverage such as trip cancellation, trip curtailment, and itinerary delays, with protection ranging from HK$3,000 to HK$50,000 depending on the chosen plan.
Additionally, flight delays of at least 5 hours qualify for a cash allowance of between HK$300 and HK$1,600. Baggage delays of at least 6 hours also qualify for compensation of up to HK$800. (Delay cover not applicable to Basic Plan)
Personal Accident Cover
This covers death or permanent disability due to accidents. If accidents occur while riding public transportation or during terrorist activities, the maximum personal accident compensation can reach HK$1,500,000.
Personal Property Cover (Not Applicable to Standard Plan)
This includes loss or damage to personal belongings, credit card and document replacement fees. The maximum compensation for this category is HK$25,000, including mobile phones, tablets, laptops, and aerial cameras.
Rental Car Excess
Rental car excess maximum compensation reaches HK$20,000, with coverage increased by 20% if renting an electric vehicle, suitable for road trips.
100% Full Coverage for the Elderly
Besides no age limit for single-trip travel insurance, persons aged 76 or above can also enjoy 100% medical and accident coverage, receiving continuous protection during their journey. Most travel insurance plans in the market reduce coverage amounts for the elderly, so Zurich Get “Z” Go+ has a significant advantage in elderly coverage.
|
Benefits |
Zurich Get “Z” Go+ Travel Insurance |
||
|
Breezy |
Elite |
Supreme |
|
|
Overseas medical expense cover |
HK$400,000 |
HK$1,000,000 |
HK$1,500,000 |
|
Personal accident cover: Accidents while riding public transportation |
HK$500,000 |
HK$1,000,000 |
HK$1,500,000 |
|
Personal accident coverage: Other accidents |
HK$400,000 |
HK$800,000 |
HK$1,000,000 |
|
Liability cover |
Not applicable |
HK$2,000,000 |
HK$3,000,000 |
|
Trip cancellation |
HK$3,000 |
HK$20,000 |
HK$50,000 |
|
Delay coverage |
Not applicable |
HK$1,200 |
HK$1,600 |
|
Baggage and personal belongings cover |
HK$3,000 (Maximum HK$1,000 per item) |
HK$15,000 (Maximum HK$2,000 per item) |
HK$25,000 (Maximum HK$3,000 per item) |
|
Compensation for loss or damage of a laptop |
HK$1,000 |
HK$8,000 |
HK$10,000 |
Features and Advantages of Zurich Get “Z” Go+ Travel Insurance
Free Accompanying Child Coverage
Each adult policyholder/insured person can bring one accompanying child (under 18) for free, with unlimited 1+1 benefits and no kinship restrictions.
Optional Benefits
The plan offers three levels and optional coverage designed for six travel purposes, including amateur sports activities and bike tours, cruise tri, and pet, allowing travellers to choose flexibly according to their needs.
Personal Property Cover
This includes mobile phones, tablets, laptops, aerial cameras, personal cash loss, etc. If a luggage is found damaged upon returning to Hong Kong after the trip, coverage is also provided.
Trip Cancellation/Interruption Cover
The plan offers trip cancellation and travel interruption coverage of up to HK$50,000, providing allowance of HK$300 every 5 hours when flight delays occur due to air traffic control, operational reasons, etc, giving you peace of mind during travel.
Want to review more Travel Insurance Plans?
MoneyHero compares over 60 single-trip and annual travel insurance plans, and offers exclusive discounts and gifts!
Important Notes of Zurich Get “Z” Go+ Travel Insurance
Coverage Period
Zurich Get “Z” Go+ travel insurance single trip plan has a maximum coverage period of 180 days, while the Get “Z” Go+ Breezy Single Trip Plan covers journeys not exceeding 10 days. Annual travel plan has a maximum coverage period of 90 days per trip, with unlimited trips within a year, offering more flexibility and cost-effectiveness for frequent travellers or those taking multiple short trips.
It's important to note that all journeys under Get “Z” Go+ single trip and annual travel plans must depart from and return to Hong Kong.
Age Restrictions
The age range for enrolment for Zurich Get “Z” Go+ travel insurance is as follows:
- Single trip travel plan: No upper age limit, persons of any age can enroll.
- Annual travel plan: Initial enrolment age limit is 75, with renewals possible up to 80 years of age.
Exclusions
The main exclusions of Zurich Get “Z” Go+ travel insurance are as follows:
- Any known events and conditions
- Participating in any form of racing, competitions, professional sports activities, or activities where the insured person may or could earn income or remuneration
- Hiking at altitudes above 5,000 metres, or diving below the depth of 40 metres
- Activities requiring highly specialised techniques, extreme physical exertion, extreme environments, or requiring special equipment or tools
- Suicide or intentional self-harm
- Mental disorders, under the influence of alcohol or drugs
- Pregnancy, childbirth
- War, civil war, rebellion, riot, revolution, usurpation, military force, or coup
The exclusions are not limited to the above items, please refer to the official policy for complete terms.
Which Zurich Get “Z” Go+ Travel Insurance Plan Is Most Suitable for Me?
To select the most suitable Zurich travel insurance plan for your needs, you should consider your travel frequency, activities, coverage needs, and budget.
Carefully Review Coverage Details
When choosing a plan, it's recommended to read the coverage content and compensation limits of each plan in detail. For example:
- Do you need coverage for amateur sports or bike tours?
- Are you planning to take a cruise or travel with pets?
- Do you need additional coverage for electronic products such as mobile phones and computers?
- Will elderly people or minors be travelling with you?
Additionally, Zurich Get “Z” Go+ travel insurance also offers various optional add-on coverages, such as pet protection for those with pets at home, which can cover some expenses for trip cancellation due to pet death or injury. If taking a cruise, you can purchase cruise travel protection, which can provide allowances for shore excursion cancellations, though optional cruise trip protection is only available with the Supreme Plan.
Long-term Considerations
If you travel abroad more than 2 times a year, an annual travel insurance plan may be more cost-effective than individual policies for each trip:
- Each trip can last up to 90 days, with unlimited trips per year
- Especially suitable for business travellers or frequent travellers
- No need to re-enrol for each trip
If you meet the above conditions, then an annual travel insurance plan will be more suitable for you. It not only saves costs but also eliminates the need of re-purchasing and the stress caused by the long processing time.
Utilise the Existing Coverage
If you hold certain credit cards (such as platinum or travel credit cards), the card company may already provide basic travel coverage, such as flight delays, baggage delays, or emergency medical assistance. You can first check the coverage scope of your credit card, then consider whether you need to purchase additional travel insurance to supplement any deficiencies, avoiding duplicate coverage while enhancing protection levels.
How Much Does Zurich Get “Z” Go+ Travel Insurance Cost?
Single Trip Plans Overview
|
Insurance Plan |
MoneyHero Special Price |
|
【💰Exclusive 75% discount】 【Promo code: MHTRAVEL25】 |
|
|
Zurich Get “Z” Go+ Insurance - Breezy |
HK$132.00💰75% discount (Official website: HK$176.00) |
|
Zurich Get “Z” Go+ Insurance - Elite |
HK$238.50💰75% discount (Official website: HK$318.00) |
|
Zurich Get “Z” Go+ Insurance - Supreme |
HK$294.75💰75% discount (Official website: HK$393.00) |
|
Zurich Get “Z” Go+ Insurance - Breezy [For persons aged 76 or above] |
HK$162.00💰75% discount (Official website: HK$216.00) |
|
Zurich Get “Z” Go+ Insurance - Elite [For persons aged 76 or above] |
HK$283.50💰75% discount (Official website: HK$378.00) |
|
Zurich Get “Z” Go+ Insurance - Supreme [For persons aged 76 or above] |
HK$354.75💰75% discount (Official website: HK$473.00) |
#Based on a 5-day Japan/Taiwan/Thailand itinerary (premium levy subsidised)
⚠️Premiums are for reference only, actual premiums may vary according to destination, age, trip duration, and coverage level.
⚠️Each adult policyholder/insured person can bring one accompanying child for free, children can receive free coverage, unlimited 1+1.
The Overview of Annual Travel Plans
|
Insurance Plan |
MoneyHero Special Price |
|
【💰First year premium exclusive 75% discount】【Promo code: MHTRAVEL25】 |
|
|
Zurich Get “Z” Go+ Insurance - Elite |
HK$1,935.00💰75% discount (Official website: HK$2,580.00) |
|
Zurich Get “Z” Go+ Insurance - Supreme |
HK$2,385.00💰75% discount (Official website: HK$3,180.00) |
#Based on a 5-day Japan/Taiwan/Thailand itinerary (premium levy subsidized), premiums in the table apply to one insured person aged 0 to 70.
⚠️Premiums are for reference only, actual premiums may vary according to destination, age, trip duration, and coverage level.
⚠️Each adult policyholder/insured person can bring one accompanying child for free, children can receive free coverage, unlimited 1+1.
Zurich Get “Z” Go+ Travel Insurance Plan Claims Process
Required Documents for Claims
When submitting a claim, the following information and documents are required:
- Policy number and basic information of the insured person
- Claim application form
- Relevant supporting documents, such as police reports, medical reports, travel documents, boarding passes or e-tickets, purchase receipts, etc.
Note: If you need to make a claim after purchasing Zurich travel insurance, the insured person must submit the application within 30 days. All original related documents must be kept for at least 90 days for review.
Claims Methods
Claims can be submitted through Zurich 's "eClaim" platform (www.zurich.com.hk/zh-hk/make-a-claim/travel-insurance), saving approximately two working days of processing time compared to email or mail applications.
Steps for using the "eClaim" platform:
- Login to the eClaim platform
- Select the claim item and enter claim information
- Select the insured person
- Upload supporting documents
- Enter payment information (bank transfer or FPS)
- Check claim status
Processing Time
After the policyholder submits a claim application, registration will be processed within one working day, and a confirmation SMS or email will be sent. Zurich Travel Insurance's claims department may contact the policyholder via phone/email/letter to request additional information or documents.
Is Zurich Get “Z” Go+ Travel Insurance Plan Worth Purchasing?
The greatest advantages of Zurich Get “Z” Go+ travel insurance are its "100% full coverage for the elderly" and "1+1 family accompaniment plan." For travellers aged 76 or above, this is one of the few products that promises full medical reimbursement without reduction, breaking the industry's common practice of setting a 50% limit on compensation for the elderly, making it particularly suitable for senior citizens on long-distance travel. Families can benefit from the unique design of "1 adult with 1 accompanying child" free coverage, not only is there no kinship relationship limit for children (friends' children are also applicable), but it also allows group policies to share the policy, significantly reducing the cost burden for family trips or travelling with companions.
Customised coverage for special travel types is its second highlight. Cruise enthusiasts can purchase additional coverage for itinerary change, visa fee compensation and shore excursion cancellation allowances, while amateur sports players can expand protection for bicycle training and equipment loss. The "luggage damage compensation" clause, which is still valid after returning to Hong Kong, further demonstrates the completeness of its property protection, with clear compensation standards for everything from electronic devices to travel accessories.
Overall, this product has overwhelming advantages in the areas of full reimbursement for the elderly and family accompaniment flexibility, particularly suitable for three-generation tours, senior self-guided tours, or special types of travel (such as cruises, cycling around islands). If your insurance needs to focus on these scenarios, then Zurich Get “Z” Go+ is almost the best solution in the market and worth considering.
Frequently Asked Questions about Zurich Get “Z” Go+ Travel Insurance
What types of plans does Zurich Get “Z” Go+ Insurance offer?
It offers single trip and annual travel plans. Single trip plan is divided into three levels: "Supreme," "Elite," and "Breezy," while annual plan is divided into two levels: "Supreme" and "Elite."
What is the main scope of the insurance coverage?
The coverage includes medical expenses, personal accident, personal liability, travel interruption, personal belongings, and 24-hour assistance for comprehensive protection.
Are there age restrictions?
Zurich Get “Z” Go+ single-trip travel insurance is applicable for persons of all ages. Annual travel plan has an age limit of 75, with renewals possible up to 80 years of age. All journeys must depart from and return to Hong Kong.
How high is the emergency medical coverage?
Coverage amounts differ among plans, with the "Supreme Plan" providing medical expense coverage up to HK$1,500,000. Persons aged 76 or above also enjoy 100% full coverage, while accompanying minor children's coverage is 50% of the adult's.
What is the maximum compensation for personal accident cover?
Accidents on public common carriers or accidents during terrorist activities have a maximum compensation of HK$1,500,000, while general accidents are covered up to HK$1,000,000 (depending on the chosen plan).
What does travel interruption cover include?
It includes trip cancellation, curtailment, or delay due to illness, flight cancellations, etc. The Supreme Plan has a maximum compensation of HK$50,000, while the Breezy Plan does not include this coverage.
Is there COVID-19 related coverage?
No, Zurich Get “Z” Go+ insurance plan does not include COVID-19 coverage. You can compare Travel Insurance that covers COVID-19 here
Is high-risk sports coverage provided?
Amateur sports activity training and bike tour covers are offered as optional items, including coverages for lost sports equipment, paid sports courses, and registration fee. However, it does not cover mountaineering above 5,000 metres or diving below the depth of 40 metres, with restrictions on extreme sports or high-risk activities. It is recommended that high-risk sports enthusiasts carefully read the policy terms before purchasing to understand the specific coverage scope.
What is the coverage scope for electronic products?
Elite and Supreme plans provide coverage for mobile phones, tablets, laptops, and aerial cameras, with maximum compensation of HK$8,000 and HK$10,000 respectively. The Breezy Plan does not include mobile phone coverage, and other electronic devices have a maximum reimbursement of only HK$1,000.
What documents are required when making a claim?
You need to submit your policy number, application form, medical reports, police reports, travel documents, and receipts, and apply within 30 days after the incident.
How long does it take to process the claim application?
After the policyholder submits a claim application, registration will be processed within one working day, and a confirmation SMS or email will be sent. Zurich Travel Insurance's claims department may contact the policyholder via phone, email, or letter to request additional information or documents.
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!
