Find travel insurance for Hong Kong

Hong Kong offers so much to tourists, be it nightlife, cuisine or culture. Travel insurance is designed to cover the wide range of mishaps that can happen to even the most worldly of travelers.

From injuries to illnesses and even lost or stolen luggage, having a travel insurance policy means you’re protected from it all, allowing you to enjoy the many sights that Hong Kong has to offer.

• Travel Accident Coverage : up to $50,000
• Pre-Existing Medical Condition : Available
• Concierge : Included

Our top pick: Allianz International Travel Insurance

Customizable coverage that can give you peace of mind when traveling to popular or remote destinations.

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Name	Product	Trip Cancellation	Emergency Medical Expenses	Baggage Coverage	Trip delay
Atlas Travel by Tokio Marine HCC – MIS Group				$1,000	$100	Customizable policy that balances basic essentials with premium coverage.	Go to site View details		loading Fetching your data...
Atlas Group by Tokio Marine HCC – MIS Group				$1,000	$100	Customizable policy designed for families, student organizations and groups of five or more people.	Go to site View details		loading Fetching your data...
Atlas StudentSecure by Tokio Marine HCC – MIS Group			$500,000			Choose from four levels of coverage to get the travel protection you need while travelling as a student.	Go to site View details		loading Fetching your data...
RoamRight Essential Travel Insurance Plan		100%	$15,000	$750	$500	Basic policy with coverage that includes trip cancellation insurance, tourist health insurance and baggage insurance.	Go to site View details		loading Fetching your data...
RoamRight Multi-Trip Annual Insurance for Trip Cancellation		100%	$25,000	$1,000	$1,000	Bare-bones policy designed for those who want trip cancellation coverage and limited medical protection.	Go to site View details		loading Fetching your data...
Seven Corners Liaison Travel Medical			$50,000	$1,000		Coverage when traveling outside your home country with terms between 5 days to 3 years.	View details		loading Fetching your data...
AXA Assistance Silver Plan		100%	$25,000	$750	$500	Basic travel protection with lower amounts of coverage. No option to cancel for any reason.	Go to site View details		loading Fetching your data...
Travel Guard Silver		100%	$15,000	$750	$500	Budget-friendly coverage with basic travel protections that include trip cancellation and trip interruption.	Go to site View details		loading Fetching your data...
Seven Corners Wander Frequent Traveler Annual Insurance			$1,000,000	$500		Coverage for as many trips as you want for travel periods lasting up to 30 or 45 days.	View details		loading Fetching your data...

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Why do I need travel insurance?

Travel to Hong Kong can be expensive, what with tickets, eats, guides and getting around. Without travel insurance, an illness or injury can devastate any budget.

An insurance policy not only protects you if you get sick or injured, but it can also help out if you have a sudden change in travel plans or miss a flight. Comprehensive coverage can provide peace of mind while enjoying this highlight of Asia.

Consider a long-term plan if you travel often

Frequent travelers to Hong Kong for business or leisure should consider an annual multitrip travel insurance policy.

It provides coverage for an unlimited number of trips in any 12-month period and will usually provide the same level of coverage as single-trip plans. It’s worth noting that trips are usually restricted to either 30, 60 or 90 days in length.

Is it safe to travel to Hong Kong?

Hong Kong is not considered a dangerous place to travel, but petty thieves and crooks are known to target tourists. If you’re the victim of a crime while in Hong Kong, there should be a provision in your travel insurance policy that covers your loss and expenses.

Travelers visiting between May and October should take extra precautions. This is the season for typhoons in Hong Kong, when the chance of flight delays is high. Travel insurance can help you cover the costs of unexpected additional time out of the country waiting for better weather.

What can my travel insurance policy cover?

Most travel insurance companies are flexible in their coverage, allowing policyholders to customize plans to supplement:

• Medical. Exposure to a different climate and new foods can lead to the need for medical assistance. Most insurance carriers offer a 24-hour health advice hotline on top of covering your medical bills.
• Valuable travel documents. If you lose your passport while abroad, insurance can help you cover the fees to replace it.
• Lost or stolen luggage. If your luggage is lost at the airport or stolen on your way to the hotel, travel insurance can reimburse you.
• Flight delays or cancellations. A missed flight or even a delay can cost a lot of money — especially if you need a new hotel reservation or miss a connection. Travel insurance can help cover the cost.

Who do I contact in an emergency?

If you find yourself in an emergency in Hong Kong, some of helpful contacts include:

• Your travel insurer. Your insurance provider will have an 24/7 helpline for claims and medical emergencies.
• National emergency hotline. You can reach this service by dialing 999.
• Embassies and consulates. You can find the contact details of US embassies and consulates in Hong Kong below.

5 steps to selecting the right travel insurance for Hong Kong

When weighing how comprehensive a plan you need, ask yourself:

1. Where are you going in Hong Kong? Think about the regions you’ll travel to. For example, typhoons can occur near coastal areas between May and October, so extra coverage for missed flights might be a good idea.
2. How many times will you go? If you plan to travel often over the next year, consider annual multitrip coverage.
3. What activities will you take part in? If you plan to gamble in Macao, understand the risks of carrying around a lot of cash and how your policy covers theft.
4. Are you taking valuables? Consider extra coverage for expensive cameras and electronics.
5. Do you have medical conditions? Declare pre-existing medical conditions before purchasing a policy.

What’s your best option for spending in Hong Kong?

Travel insurance traps to avoid in Hong Kong

Most travel insurance policies exclude from coverage losses resulting from:

Using a credit card in Hong Kong

Bottom line

Hong Kong is a beautiful holiday destination filled with excitement and wonder. But don’t let your dream vacation become a nightmare as a result of an accident, missed connection or worse.

To enjoy your vacation without worry, arm yourself and your family with a travel insurance policy.

Frequently asked questions

• Are my children covered?

  Yes, in most cases. Most adult travel insurance policies cover a child you’re legally responsible for. Contact your insurer to make sure yours does.

• Am I covered for cruises?

  It depends on your policy. Check with your provider for special provisions that you may need for a cruise.

• What are some Hong Kong highlights and attractions?

  The Wong Tai Sin Temple has the look and feel of an ancient Chinese palace. Inside you will find monuments that show off the rich Chinese culture it was been built around.

  Another throwback to the ancient Chinese culture is the open air markets. You can find a large range of local foods and souvenirs.

  Tourists can also embark on a more modern vacation when visiting Hong Kong — you can visit Disneyland, get a rush at a major water park, or stop by the world-class aquarium for some educational fun.

• How do I make a claim?

  The fastest way to get your claim started is by completing an online form, if available. Once the ball gets rolling, your insurer will ask for documentation to support your claim, like receipts or police reports.

  Some carriers ask that you notify them on a hotline as soon as possible if you’re seeking medical care out of the country. Read your policy to learn how to handle medical claims.