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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
Atlas Travel
Atlas Travel
Customizable policy that balances between the basic essentials and premium coverage.
  • Trip cancellation: Not available
  • Emergency medical expenses: Up to $2,000,000
  • Baggage coverage: Up to $500
  • Trip delay: $100/day up to 2 days
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STA Travel Standard International
STA Travel Standard International
Affordable coverage for the essentials needed when traveling outside of your home country.
  • Trip cancellation: Not available
  • Emergency medical expenses: $25,000
  • Medical evacuation & repatriation: $250,000
  • Trip delay: $100/day up to $250
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Allianz International Travel Insurance
Allianz International Travel Insurance
Customizable coverage that can give you peace of mind when traveling to popular or remote destinations.
  • Trip cancellation: $1,000
  • Emergency medical expenses: Up to $50,000
  • Baggage coverage: Up to $2,000
  • Trip interruption: Up to $1,500
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Seven Corners Liaison Travel Medical
Seven Corners Liaison Travel Medical
Coverage when traveling outside your home country with terms between 5 days to 3 years.
  • Emergency medical expenses: Up to $5,000,000
  • Medical evacuation & repatriation: Up to $1,000,000
  • Baggage coverage: Up to $1,000
  • Trip interruption: Up to $10,000
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RoamRight Travel Insurance Essential
RoamRight Travel Insurance Essential
Coverage includes trip cancellation insurance, tourist health insurance and baggage insurance.
  • Trip cancellation: 100% cost of trip
  • Emergency medical expenses: $15,000
  • Baggage coverage: $750
  • Trip delay: $100/day up to $500
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Travelex Cancel for Any Reason
Travelex Cancel for Any Reason
Not 100% sure you're going to make your trip? Cancel For Any Reason upgrade is available with the Travel Select plan.
  • Reimburses up to 75% of the insured trip cost
  • Must cancel within 48 hours before scheduled departure
  • Offered on trips with a maximum value of $10,000
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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
Atlas Travel

Why we like: Atlas Travel Insurance

Before you head on your next trip, consider the protection that travel insurance can offer you and your loved ones.

  • Choose from several different policies to protect your trip.
  • Option to create custom coverage that fits your travel needs.
  • Comprehensive plans for individuals, groups and business travelers.
  • Includes a suite of emergency travel benefits such as medical evacuation.

    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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