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Find travel insurance for Hong Kong

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Protect yourself on your journey through the Pearl of the Orient.

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.

Find travel insurance for Hong Kong

Details Features
Allianz International Travel Insurance
Allianz International Travel Insurance
If you frequently travel abroad and want extra coverage in case you get sick, injured, or need to cancel your trip, Allianz International Travel Insurance is the perfect solution.
  • Trip coverage - Depends on plan
  • Baggage coverage - Up to $1,000
  • 24-hour hotline assistance
  • Existing medical coverage - Up to $1,000,000
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Atlas Travel
Atlas Travel
Provides customizable coverage for specific losses. Cover can be tailored to provide a balance between the basic essentials and premium cover.
  • Illness and Injury Cover - Up to $1 million
  • Emergency Medical Evacuation - Up to $1 million
  • Lost Checked Luggage - Up to $500
  • Travel Delay - $100/day up to 2 days
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Seven Corners Liaison Travel Medical
Seven Corners Liaison Travel Medical
Up to $5,000,000 of protection for travel outside your home country
  • Economical pricing for trips 45 days or less.
  • Great benefits& great pricing
  • Long term option - renew up to 3 years
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STA Travel Standard International
STA Travel Standard International
Get affordable cover for the essentials of options with STA's mid-level cover policy. This option will still provide up to $1500 in luggage cover and up to $100,000 in medical cover.
  • Trip Cancellation Cover - 100% of trip cost insured up to $10,000
  • Emergency Medical Expenses Cover - Up to $100,000
  • Baggage and Personal Effects - Up to $1,500
  • Trip Delay - Up to $500
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RoamRight Travel Insurance Essential
RoamRight Travel Insurance Essential
RoamRight’s Essential travel insurance package can be broken down into three critical parts: Trip Cancellation insurance, tourist health insurance, and baggage insurance.
  • Cancellation Cover - 100% Cost of Trip
  • Emergency Medical Expenses - $15,000
  • Emergency Evacuation and Repatriation - $150,000
  • Baggage and Personal Effects Cover - $750
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Travelex Cancel for Any Reason
Travelex Cancel for Any Reason
Cancel For Any reason upgrade available with the Travel Max plan. Cancel for any reason - no questions asked.
  • Reimburses up to 75% of the insured trip cost
  • 100% cover if delayed to departure and loose at least 30%
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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.

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What can my travel insurance policy cover?

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

Village environment

  • 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.
Promoted
Seven Corners Trip Protection Insurance

Seven Corners Trip Protection Insurance

Travel with a smile - protect your trip cost, your medical expenses and your belongings.

  • Emergency accident and sickness medical expenses up to $250,000
  • Trip cancellation – 100% of trip cost
  • Trip interruption – up to 150% of trip cost
  • Political evacuation – $20,000
  • Lost, stolen or damaged baggage – up to $2,500
  • Emergency medical evacuation – up to $1 million

    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.
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    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:

    • Leaving your belongings unattended.
    • Acting recklessly or committing a crime.
    • Participating in risky activities that you didn’t purchase coverage for.
    • Traveling against government advice.
    • Ignoring road and driving rules.
    • Changing your mind and choosing not to travel.

    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.

    Compare travel insurance quotes for Hong Kong

    FAQ

    Picture: Shutterstock

    Richard Laycock

    Richard is the Insurance Editor at finder, and has been wrangling insurance Product Disclosure Statements for the last 4 years. When he’s not helping Aussies make sense of the fine print, he can be found testing the quality of Aperol Spritzes in his new found home of New York. Richard studied Journalism at Macquarie University and The Missouri School of Journalism, and has a Tier 1 certification in General Advice for Life Insurance. He has also been published in CSO Australia and Dynamic Business.

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