/Travel Insurance/Zurich Get “Z” Go+ Travel Insurance Plan

Zurich Get “Z” Go+ Travel Insurance Plan

Updated: 20 Aug 2026

Zurich Get “Z” Go+ travel insurance plan offers both single trip and annual travel plans. Single-trip plans include "Essential Plan," "Comprehensive Plan," and "Deluxe Plan" options. The Annual Travel plans provide "Comprehensive Plan" and "Deluxe Plan" options.Features include optional benefits, full medical reimbursement for elderly, and free 1+1 child accompaniment coverage and special travel needs, providing all-round travel protection so you can enjoy the most reassuring coverage from before your journey begins until after you return to Hong Kong.
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Zurich Get "Z" Go+ Travel Insurance Plan - Essential Plan

Zurich Get "Z" Go+ Travel Insurance Plan - Essential Plan

HK$160.00
HK$200.00
20% off
Travel Cancellation
HK$
3,000
Overseas Medical Expense
HK$
400,000
Loss of Baggages
HK$
3,000
Car Rental Excess
Not Applicable
MoneyHero Reward
MoneyHero's take
Zurich Get "Z" Go+ Travel Insurance Plan - Comprehensive Plan

Zurich Get "Z" Go+ Travel Insurance Plan - Comprehensive Plan

HK$304.00
HK$380.00
20% off
Travel Cancellation
HK$
20,000
Overseas Medical Expenses
HK$
1,000,000
Loss of Baggage
HK$
15,000
Car Rental Excess
HK$
10,000
MoneyHero Reward
MoneyHero's take
Zurich Get "Z" Go+ Travel Insurance Plan - Deluxe Plan

Zurich Get "Z" Go+ Travel Insurance Plan - Deluxe Plan

HK$378.40
HK$473.00
20% off
Trip cancellation
HK$
50,000
Overseas medical expenses
HK$
1,500,000
Loss of baggage
HK$
25,000
Car rental excess
HK$
20,000
MoneyHero Reward
MoneyHero's take

Zurich Single Trip Comparison

Product
Policy Wording
Policy Brochure
Travel Cancellation
Overseas Medical Expenses
Loss of Baggages
Travel Delay
Accidental Death
Overseas hospitalisation allowance
TCM Expenses
Loss of Travel Documents
Loss of Money
Baggage/personal belongings delay
Zurich Get "Z" Go+ Travel Insurance Plan - Essential Plan
Zurich Get "Z" Go+ Travel Insurance Plan - Essential Plan
HK$3000
HK$400000
HK$3000
Not Applicable
HK$400000
Not Applicable
HK$2000
HK$500
Not Applicable
Not Applicable
Zurich Get "Z" Go+ Travel Insurance Plan - Comprehensive Plan
Zurich Get "Z" Go+ Travel Insurance Plan - Comprehensive Plan
HK$20000
HK$1000000
HK$15000
HK$1200
HK$800000
HK$3000 (HK$300 per day)
HK$3000
HK$2000
HK$2000
HK$500 after 6 hours
Zurich Get "Z" Go+ Travel Insurance Plan - Deluxe Plan
Zurich Get "Z" Go+ Travel Insurance Plan - Deluxe Plan
HK$50000
HK$1500000
HK$25000
HK$1600
HK$1000000
HK$5000 (HK$500 per day)
HK$5000
HK$3000
HK$3000
HK$800 after 6 hours

Zurich Annual Trip Comparison

Product
Policy Wording
Policy Brochure
Travel Cancellation
Overseas Medical Expenses
Loss of Baggage
Travel Delay
Personal Liability
Trip curtailment
Accidental Death
Overseas hospitalisation allowance
TCM Expenses
Loss of Travel Documents
Loss of Money
Baggage/personal belongings delay
Zurich Get "Z" Go+ Travel Insurance Plan - Comprehensive Plan (Annual)
Zurich Get "Z" Go+ Travel Insurance Plan - Comprehensive Plan (Annual)
HK$20000
HK$1000000
HK$15000
HK$1200
HK$2000000
-
HK$800000
HK$3000 (HK$300 per day)
HK$3000
HK$2000
HK$2000
HK$500 after 6 hours
Zurich Get "Z" Go+ Travel Insurance Plan - Deluxe Plan (Annual)
Zurich Get "Z" Go+ Travel Insurance Plan - Deluxe Plan (Annual)
HK$50000
HK$1500000
HK$25000
HK$1600
HK$3000000
-
HK$1000000
HK$5000 (HK$500 per day)
HK$5000
HK$3000
HK$3000
HK$800 after 6 hours

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What is Zurich Travel Insurance?

Insurance Company

Zurich Insurance Group

Advantages
  • Medical coverage up to HK$1,500,000 
  • Personal accident coverage up to HK$1,500,000
  • Free coverage for one accompanying child, each adult policyholder can bring one accompanying child for free 
  • Offers optional coverage for amateur sports events, cycling tours, and cruise trips 
  • Personal belongings coverage up to HK$25,000, with mobile phone maximum compensation up to HK$3,000 
  • 24-hour global emergency assistance service 
  • Provides outbound travel alert protection, covering alerts encountered before departure or during the journey 
  • Offers single-trip and annual travel insurance plans 
  • No age limit for single-trip travel insurance plans, the elderly can enjoy 100% full coverage

Disadvantages
  • Although mobile phone coverage is higher, only 1 device per trip is covered 
  • Breezy Plan offers lower coverage, with limited personal belongings and trip cancellation protection 
  • Does not cover high-risk activities, such as mountaineering above 5,000 metres and scuba diving below 40 meters

 

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 (premium to be adjusted for individuals age 76 and above), 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.

 

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.
 
 

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.

 

The above information is for reference only. For details and complete policy terms, please refer to the product brochure.

Frequently Asked Questions about Zurich Get “Z” Go+ Travel Insurance

  • What types of plans does Zurich Get “Z” Go+ Insurance offer?
  • What is the main scope of the insurance coverage?
  • Are there age restrictions?
  • How high is the emergency medical coverage?
  • What is the maximum compensation for personal accident cover?
  • What does travel interruption cover include?
  • Is there COVID-19 related coverage?
  • Is high-risk sports coverage provided?
  • What is the coverage scope for electronic products?
  • What documents are required when making a claim?
  • How long does it take to process the claim application?