travel medical insurance hong kong

Top Travel Insurances for Hong Kong You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

A tourist hotspot at the crossroads of East and West, Hong Kong is a city-state with modern skylines, vibrant cultural heritage, and great streetfood! Although travelling to Hong Kong can be an accessible holiday destination for many people, out-the-pocket healthcare costs in the country tend to be expensive, so it's a very good idea to arrive there with travel insurance under your belt.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Hong Kong and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Hong Kong Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Hong Kong:

Best Travel Insurances for Hong Kong

• 01. Should I get travel insurance for Hong Kong? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Hong Kong scroll down

Heading to Hong Kong soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
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• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for Hong Kong?

No, there's currently no legal requirement to take out travel insurance for travel to or through Hong Kong.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Hong Kong or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Hong Kong:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Hong Kong. It lets you choose between various plans tailored to meet the specific needs of your trip to Hong Kong, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Hong Kong:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Hong Kong? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Hong Kong

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for Hong Kong. However, we strongly encourage you to do so anyway, because the cost of healthcare in Hong Kong can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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Annual Travel Insurence

• Effective Date: Start Date

The departure date must be within 365 days starting from today.

Please be advised that the military conflict between Russia and Ukraine may impact travel insurance coverages and benefits, and AIG Travel’s ability to provide certain travel-related assistance services, for travel to, from or within the affected areas.

AIG Annual TravelWise Insurance

Going on an unforgettable trip off your bucket list, travelling for business or looking for a short getaway?

Get protected by AIG TravelWise Annual Plan for both big and small trips. Annual travel insurance covers your medical costs should you have an accident or suffer illness while on holiday overseas, along with any losses arising from your trip being cancelled or your journey being delayed, as well as all other risks related to your travelling experience.

We have a self-owned worldwide emergency service team, AIG Travel Assistance, which can respond to your needs in the event of an emergency.

Save your time from insurance comparison, get protected for 365 days while you are busy conquering the world.

Flexible plans from HK$1,575 only*

• Travel delay - 5 hours from stated departure or arrival
• Baggage delay – up to HK$2000 maximum
• Baggage and personal effects
• Emergency medical expenses
• Personal accident - accident while in a common carrier up to HK$1.2M maximum
• Journey cancellation or interruption
• Loss of income benefits
• Compassionate visit

*The price is for reference only. You could get a  quote here  real time. #The above information is for reference only. For the full benefit table, please refer to our  TravelWise brochure  or click  Buy Now .

Click to Compare Plans & Benefits

Plan coverages.

*The above information is for reference only. For the full benefit table, please refer to our  TravelWise brochure  or click  Buy Now .

Single Trip vs Annual Trip

AIG’s annual travel insurance offers all-rounded coverage for frequent travellers for up to 1 year, covering emergency medical expenses as well as additional personal protection features.

Single Plan

• Premium as low as HK$40
• Provides protection for a single journey up to 182 days
• Has no nationality restrictions
• Insured traveller must depart from Hong Kong

Annual Plan

• Designed for frequent travellers
• Covers an unlimited number of journeys throughout the year (up to 90 days for each journey)
• Available for HK residents aged 17 to 70 only

How to Buy?

  1. Provide information

Enter details about the trip.

this is coundt: eric

  2. Select the preferred plan

Choose the Single or Annual plan.

  3. Fill out personal details

Provide personal information about the traveller.

  4. Payment and Confirmation

Pay online, and the system will successfully issue the policy.

AIG Customer Stories

AIG is dedicated to enhancing customers’ security and peace of mind with our insurance products protection.

Our annual travel insurance coverage is thoughtfully designed and backed by customer-first service and efficient compensation claims. Read some of our customer stores here...

Decompression sickness

Jason Tsang

AIG client for 5 years

#Bali #Diving #Sickness #Travel

A Family Visit

Ronald Tong

AIG client for 1 year

#Canada #Travel #Emergency

Rock climbing

Natalie Yuen

AIG client for 4 years

#rock #climbing #germany #injury

Lung infection

#Thailand #FamilyTrip #Illness #Travel

Business Trip

Aig client for 2 years.

#BusinessTrip #China

Road accident

Aig client for 6 years.

#Accident #China #Travel

Accidental Fall

Sally Leung

#HoChiMinh #Vietnam #Tour #Travel #Accident

Lifting luggage hurts!

Martha Chiu

#NYC #Airport #Luggage #Accident

High altitude!

Aig client for 3 years.

#Yunnan #China #Travel

“Thank you for your timely response, medical monitoring and guarantee of payment. Travel insurance has always been a must-have for our trips, and it is this habit that ensured timely actions and medical treatment after an accident. Thank you again for your positive response and help”

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Jason was on Bali Island for a diving trip when after a session, he started experiencing dizziness, pain and numbness in his arms, legs and back. He sought treatment at the local hospital and the treating doctor confirmed that Jason had decompression sickness. 

AIG Travel learned that Jason needed several rounds of therapy. We approved cover after reviewing his medical report. When the hospital declined a guarantee of payment directly from us, we activated a local provider to do so. Jason stayed in hospital for a week and continued his recovery in his hotel for another three days. We arranged for his return journey on business class accompanied by a medical escort. Wheelchair service at the airports and ground ambulance transfers at both ends were arranged also. Jason safely arrived home and was to have a follow up check at a local hospital.

 “Very satisfied with your service. I will always choose AIG Insurance. AIG takes care of things very efficiently.”

Lung infection in Thailand

A five-year-old girl, Daisy, developed a cough and high fever while on holiday with her mother, Alicia, in Trang, Thailand. Alicia called the ATAP global service centre for help and we quickly referred them to the Wattanapat Hospital located nearest to where they were staying. After Daisy had been seen by the treating doctor, we followed up and learned that chest x-ray showed that Daisy had lung infection. She was admitted for conservative treatment and we approved cover for her medical expenses.

When we checked in on her condition the next day, we found out that she had responded well to treatment and was fast recovering. Later on the same day, Daisy was discharged. Both mother and daughter continued their stay in Thailand and returned to home as planned.

 “Really well done. You provided excellent service. I can say it was flawless. I recommended you to my fellow members in the same tour group. They witnessed the whole process. You kept close follow up on our case. Other companies are not as thoughtful as you are. I hope you can keep up your good service.”

– Sally’s husband

Lower back compression after a fall…

A couple from Hong Kong was on a tour in Ho Chi Minh City, Vietnam when the 63-year-old wife, Sally, slipped and fell while trying to get off the tour bus. A travel agency representative called the ATAP global service centre for help after the tour leader informed him of the mishap.

AIG Travel later learned that a CT scan at the local hospital revealed that Sally had a compression fracture in her lower spine and she was hospitalised for observation. After we received her medical report, we reviewed and approved cover. We booked Sally on business class right after she was given clearance to travel while her husband remained in economy. Wheelchair and porter services at the airports and ground transfers at both ends were also arranged to ease their travel. The couple safely arrived back to Hong Kong and Sally was to have her follow up check at the Hong Kong Adventist Hospital.

“Thank you very much. You are very professional on the follow-up and provided very good service.” 

Ronald was visiting his niece in Canada when he started experiencing abdominal pain. At the local hospital scans revealed that he had appendicitis and surgery was necessary. His niece called the A社 global service centre to seek help with his medical expenses.

AIG Travel quickly got in touch with his treating doctor to find out more about his condition and later followed up for updates after his surgery. Ronald remained in the hospital for another week under close observation and we monitored his progress throughout this time.

“I would like to thank you the AIG team. I unfortunately had an accident in China on 20 May 2018. I was seriously hurt from the accident and needed to come back to HK for medical care. 

The AIG medical team gave us immediately help. The escort doctor and nurse carefully took care of me during the return journey and safely sent me to the Hong Kong Hospital. My wife and I deeply appreciated all that have been done.”

Business traveller injures his neck in China

Edward who was on a business trip to Shenzhen, China fell off his bicycle and injured his neck. He was rushed to the hospital where a MRI revealed that he sustained a severe spinal injury and his condition was critical. His travel agent called AIG for help to get him home to HK to get higher level of medical care.

We quickly got in touch with his treating doctor and learned that although the MRI had not shown any fractures it was likely that Edward had sustained spinal bone dislocation. After reviewing his condition, it was concluded that Edward required prolonged hospitalization and medical care and it would be best to get him home as soon as possible. Later the same day, after approving cover we arranged for a ground ambulance and a doctor-and-nurse escort team to bring him back home.  After Edward safely arrived in Hong Kong, he was directly admitted to the hospital.

“Excellent service with AIG because all staff followed up on me and called me, and asked me if I had safely arrived back home. This is my first time activating my travel insurance and it has been a very good experience.”

Be careful when lifting your luggage!

Martha had just landed in New York when she badly injured herself trying to lift her luggage from a carousel at the airport. She was taken directly to a local hospital where an x-ray showed that she had severely fractured her left thigh bone. At this point her travelling companion called the ATAP global service centre for advice and help.

AIG Travel got in touch with her treating doctor and learned that surgery on her thigh bone would be necessary. After reviewing her medical report, we approved cover and the patient underwent surgery the next day. We followed up with the doctor after the procedure and were informed that she was recovering as expected.

After a further three days in the hospital, she was given clearance to travel and we quickly arranged for her return on business class accompanied by a non-medical escort to take care of her needs and ease her travel. Wheelchair and porter services at the airports as well as ground transfer at both ends were arranged.

I am satisfied with your service and your follow-up and response is prompt!

Natalie was on a rock climbing holiday in Germany when she fell and injured her lower back. An x-ray revealed that she had fractured her spine. She called us for assistance with her medical expenses and travel arrangements. AIG Travel got in touch with her treating doctor, and learned that she needed surgery very soon. Cover was approved after we reviewed her medical report so we provided the hospital with a guarantee of payment. She underwent the procedure two days later. We monitored her recovery progress the whole time by regularly getting updates from her treating doctor. We also constantly checked in on her as she was alone to make sure she was doing well. After confirming that she was fit to trave, we quickly issued her new return airline ticket on business class so that she would be comfortable on her return journey.

Your response was really speedy and you were always providing us support.

17 tourists were on a group trip to Jiangxi when the bus crashed and rolled over when the driver mishandled a turn. Two of the passengers were thrown out of the bus and another two were badly squashed by the seats. The others, including the tour guide and the bus driver, sustained multiple cuts and wounds. Carol, a member of staff from the travel agency, called us as soon as she got word of the accident. AIG Travel quickly got in touch with the tour guide on the bus, and he was able to provide information about the accident and rescue work that was being carried out at the time of the call. When we followed up with the guide later, we learned that all of the passengers had been admitted into the hospital. We despatched a two-person crisis response team to Wuyuan early the next day to assess the situation and work with the treating doctor. When the patients were well enough to be discharged, we arranged for their return via commercial airline and high-speed train. Medical escort was also arranged for patients when it was required.

There was a medical escort that accompanied me all the way home to Hong Kong. It really comforted me.

Mark was on holiday in Yunnan, China when he started experiencing difficulties breathing and was sent to hospital. After a few days of treatment, his travel agent called us for assistance to get him home. AIG Travel quickly spoke to his treating doctor to get more information on his condition. We learned that he was suffering from high altitude sickness and had a lung infection. After obtaining his medical report, we approved his medical expenses. We also kept his sister and his travel agent back in Hong Kong updated on his condition and repatriation plans. Mark wished to go home after a few days in admission even though he had not recovered enough for air travel so we reviewed his condition with his doctor and determined that he was well enough for ground travel. After that, we arranged to get him home via high speed train accompanied by a medical escort throughout his journey. When he safely arrived back to Hong Kong, he was directly admitted to hospital for continued treatment.

AIG’s 24/7 Emergency Assistance Center focuses on the needs of AIG customers who travel overseas. Our 24-hour medical support team provides efficient and dedicated emergency support or medical advice around the world.

Our team of doctors and nurses is fluent in 40 different languages, and is always available to provide responsive, practical advice and assistance through our support hotline. 

I purchased the annual plan of TravelWise insurance policy, will this policy cover all of my trips in this year?

TravelWise annual plan covers all of your trips during the year while trip must commence from Hong Kong with maximum 90 consecutive days per journey.

If I purchased TravelWise Deluxe single plan, will I be covered if I take hot air balloon ride?

Yes, TravelWise covers all amateur sporting activities.

I felt sick while I was travelling but I did not consult a doctor. I only saw a doctor when I came back to Hong Kong. Am I covered?

Unfortunately, your medical expenses incurred after your return to Hong Kong are not covered. Under your TravelWise single plan, we only pay for medical expenses incurred as follow-up treatment in Hong Kong if you have consulted a Legally Registered Medical Practitioner overseas for the same sickness during the insured trip.

Who is eligible to purchase?

Anyone age 70 or below on the commencement date of the policy. A policy may be purchased by an individual or a family for travel overseas for purpose of leisure and/or business, provided the trip is commences from Hong Kong.

Note : We do not cover any travel to Cuba, Iran, Syria, Sudan, North Korea, or the Crimea region.

How much premium do I have to pay?

Please press “ Buy Now ” above or refer to our  TravelWise brochure  for premium levels for each plan.

I travelled to Thailand for 4 days and purchased TravelWise single insurance plan. On the last day of the trip, I suffered from fibular fracture which caused me to stay 2 more days in Thailand. Will TravelWise Protection Plan cover my trip?

Yes. Cover will automatically be extended up to a maximum of 10 calendar days without paying any additional premium, in the event the journey is being unavoidably delayed. (e.g: Travel Delay and missed departure sections due to fibular fracture, and insured person can provide medical documentation to prove that he/she is not medically fit to travel)

How and when can I contact AIG Travel (emergency service team)?

You can call our emergency service team 24/7 at (852) 3516-8699

I am heading to an overseas exchange after which I will stay behind for my personal travelling. Can I only buy travel insurance only for my personal travel?

Yes, but you must purchase your Travel Insurance for the whole period (including exchange & leisure travel).

My flight will depart on 11:50pm on 1 Feb evening. When should be my policy inception date?

You must take 1 Feb as the inception date/ departure date of your Travel Insurance, and the protection will commence after the insured person passed the Hong Kong Immigration Department counter.

If I travel to multiple countries within the same trip, do I need to purchase a separate plan for each country?

If you are travelling to multiple destinations within the same trip, you can be covered under one policy. Please select the furthest region as listed under our area of coverage.

I will be travelling to Thailand this weekend, but a tsunami has just hit the tourist spot today. I want to cancel my trip. Am I covered?

If the Security Bureau issued a “Red or Black Alert” within 7 days of your journey departure date or during your journey, AIG shall reimburse you in accordance with the following “Journey Cancellation”, “Journey Curtailment” or “Journey Re-arrangement” coverage.

I originally planned to travel from Edinburgh to London then coming back to Hong Kong by air. Unfortunately the earthquake had halted the air traffic in Scotland. I chose the road transport instead to travel to London in order to catch the flight to Hong Kong. Can I claim the road transport costs?

Yes, we will reimburse you the additional road transport fares since earthquake is a natural disaster which has caused the delay or cancellation of your scheduled flight. Please ensure that you submit to us  the letter from airline to prove the flight delay/ cancellation.

How can I make a claim?

In the event of loss, written notice of claim should be submitted to AIG Hong Kong within thirty (30) days after the occurrence , together with all relevant documents. 

You should fill in and sign the related  claim form .

In order to help us to deal with your claims, you should provide all the supporting documents to substantiate your claim. Complete documentation will prevent any delay in your claim assessment as additional time may be required to obtain the requisite information

Upon receipt of sufficient documents, we will assess your claim accordingly. The result of your claim submission will be sent to you shortly

Complete and return the claims form with the supporting documents to:

AIG Insurance Hong Kong Limited 46/F, One Island East, 18 Westlands Road, Island East, Hong Kong

Travel Downloads

• TravelWise Summary
• China Assist Card Hospital List
• TravelWise Policy Wording
• OTA Brochure

AIG’s 24/7 Chatbot is here to help

Travel Insurance Hotline

[email protected]

Need Business Insurance?

Hong Kong Travel Insurance Comparison: A Complete Overview

Are you looking for the top travel insurance products in Hong Kong? With plenty of options out there, it could be a headache when choosing the right one. No matter if you’re flying to Japan, South Korea, Thailand, Taiwan, or even Singapore, y our long-awaited trip deserves the best protection, and we’ve done the hard work to get you covered with the perfect fit.

So, MoneySmart is here to rescue you from the hassle of sifting through travel insurance products. From pricing to coverage, claiming process, and special offers, we’ve dug deep to present you with the cream of the crop. So, let the adventure begin worry-free!

Read on to find out more details about how to choose the right travel insurance that fits your needs!

Table of contents: Hong Kong travel insurance comparison

What does travel insurance cover, how to compare travel insurance policies, hong kong travel insurance price overview, which travel insurance policy offers the highest coverage for medical and accident expenses, which travel insurance policy offers the highest coverage for skiing, scuba diving, or parachuting, which travel insurance policy offers the highest coverage for personal property.

• Frequently asked questions: Travel Insurance

Travel insurance coverage can differ depending on the insurance provider and policy. In general, travel insurance can help cover expenses related to trip cancellations, medical emergencies, lost or stolen baggage, and travel interruptions.

In general, travel insurance covers the 3 main types of coverage for medical and accident expenses:

• Medical coverage includes costs for accidents or illnesses during the trip, like fees for overseas doctors and follow-up visits after returning to Hong Kong.
• Personal accident coverag e provides reimbursement for death, permanent disability, and severe burns resulting from accidents during the trip.
• Emergency support coverage includes emergency medical evacuation or repatriation, visits for relatives, and more.

Comparing insurance policies is complicated. There are so many areas you can be insured in, but not all are equal in importance.  So how do you know which aspects to compare?

Review your trip quickly and identify the most likely scenarios to occur

First of all, you definitely want to make sure that you’re covered in the scenarios that are more likely to occur on your trip. Sure, it’s nice to know you’re being covered for kidnapping or terrorist attacks, but statistically speaking you’re more likely to come down with a bout of food poisoning or lose your luggage. So, review your trip quickly and find out the most likely situations to happen during your trip.

Here are key areas to look out for when deciding on the best value for travel insurance:

• Medical coverage : Unless you’re invincible, there’s always the chance you’ll fall ill or get involved in an accident. Medical coverage can pay for your overseas medical expenses, as well as medical expenses incurred upon your return to Hong Kong.
• Travel mishaps : Lost luggage, missed flights, trip delays and cancellations can happen on even the most meticulously-planned of trips.
• Loss or damage to personal belongings : Get compensated if you are pickpocketed, your belongings get damaged in transit and so on.

Find your best fitted travel insurance plan

Review each plan you have come across and find out your best fitted plan. For instance, some plans may have a higher coverage on medical expenses, but not so much on personal perperty protection. After knowing which one you want, look at the premiums.

Taking an adult going on a 7-day trip to Japan as an example, the lowest premium travel plan is offered by Alliance (HK$196), while most others range from around HK$200 to HK$300.

Here you can find most popular travel insurance plans in Hong Kong. In order to compare all Hong Kong travel insurance options, we will use a 7-day insured trip to Japan of an adult as an example:

(The premium is for reference only. For the latest rate, check the travel insurance quote here.)

The premium cost ranges from HK$84.8 to HK$463. It is important to note that when comparing premiums, you should consider if the coverage provided by the travel insurance plan meets your needs and expectations. And if you’re not sure which one to choose from h ere are the 4 basic travel insurance policies in Hong Kong.

So, which travel insurance policy offers the highest coverage for medical and accident expenses? Here is the comparison of travel insurance for a 7-day single trip to Japan :

Allianz Travel – Bronze Plan [for ages 2 to 54]: HK$1,000,000 medical coverage available

The Allianz Travel – Bronze Plan offers a basic plan at a low price, providing HK$1,000,000 in medical coverage. It is important to note that this plan only covers medical expenses and does not include any other coverage.

Allianz Travel - Bronze Plan [for ages 0 to 54]

Key features.

Up to HKD 1,000,000 medical expenses

24/7 Emergency assistance services

Easy, fast, online claims process

Loadings applied: Ages 55 to 59 +100%; ages 60 to 64 +250%; ages 65 or above +500%

STARR Companies TraveLead Extra Plan: HK$1,000,000 medical coverage with trip cancellation and loss/damage of luggage coverage

STARR Companies TraveLead Extra Plan has a slightly higher price, but it offers additional coverage for trip cancellation (up to HK$25,000) and compensation for loss or damage to luggage (HK$10,000).

STARR Companies TraveLead Extra Plan

【MoneySmart Exclusive Offer】 MoneySmart customers who successfully apply for a Starr Travel Insurance product during the promotional period will be entitled to  200 SmartPoints, if the premium reaches **HK$300 or above will be entitled to 600 SmartPoints! (**Equivalent to HK$60 Rewards amount, to redeem e-vouchers such as,

• HK$50 HKTVmall E-voucher;
• HK$50 YATA E-voucher;
• or other e-vouchers/products from over 20+ brands Learn More about how SmartPoints works here . T&C apply.

Coronavirus Disease (COVID-19) Extension (For Single-Trip and Annual Travel Policy)

Staycation Benefit (For Annual Travel Policy Only)

Travel Delay coverage up to HK$1,500

Overseas Medical Expenses coverage up to HK$1,000,000

Accidental Death or Total Permanent Disability coverage up to HK$1,000,000

Dah Sing Insurance JourneySure Travel Insurance – Gold: HK$50 YATA cash coupon available for products over HK$200

Dah Sing Insurance JourneySure Travel Insurance offers excellent medical coverage of HK$500,000, trip cancellation coverage of HK$20,000, and compensation for loss or damage to baggage up to HK$15,000. What sets it apart is the special offer of a HK$50 YATA coupon for products over HK$200.

With the coupon, you can enjoy nearly a 25% discount on a HK$200 travel insurance product.

Dah Sing Insurance JourneySure Travel Insurance - Gold

【MoneySmart Exclusive Offer】 Enjoy 25% discount on Dah Sing Travel Insurance via MoneySmart using promo code "MS202401"! And for a limited time only, with a single purchase of Dah Sing Travel Insurance product of premium HK$400 or above (after discount) through MoneySmart, you will receive a gift of one HK$100 HKTV Mall  Department Store e-Coupon!

Cover insurable loss of trip cancellation or curtailment due to the issuance of Amber, Red and Black Outbound Travel Alerts, Travel Agent or the operator of the Public Common Carrier bankrupt or winding up

Comprehensive delay coverage providing trip delay allowance, reimburse the paid and forfeited cost of Transport Ticket, Accommodation, group tour fees, admission fees of overseas sports, musical or other performance events

Cover leisure or amateur activities during the journey, including skiing, water skiing, rafting, parachuting, bungee jump, scuba diving, rock climbing and mountaineering

Loss of Income Protection caused by accidental bodily injury

Cover Golfer “Hold-in-One”

Zero excess for all coverage

Loss due to act of terrorism

Worldwide Emergency Assistance Services, includes unlimited benefit amount for Emergency Medical Evacuation

Personal Belongings , loss of money & camera Cover, enhanced sum insured for Camera

Family Plan covers maximum 2 parents and unlimited number of legal child(ren) aged under 18 for premium of 2 only

Rental Vehicle Excess Cover

Free and Automatic Extension of the Policy for 14 days in case the Insured Journey is forced to be extended beyond the control of the Insured Person

Personal Liability maximum HK$2,000,000

Dah Sing Insurance members can enjoy 20% premium discount

When planning for riskier activities that have a higher chance of accidents, it is important to consider getting insurance coverage specifically for those activities, including skiing, scuba diving, and parachuting.

Note that some travel insurance policies have limitations on coverage, including restrictions on height and depth. For example, if a skiing location exceeds a certain height, the travel insurance may not cover the activity. We strongly recommend thoroughly reviewing the details of insurance policies.

When searching for travel insurance policies that provide the highest coverage for skiing, scuba diving, and parachuting, there are several options to consider.

Here is the comparison of travel insurance for a 7-day single trip to Japan:

STARR Companies TraveLead Essential Plan

The STARR Companies TraveLead Essential Plan covers most high-risk activities such as skiing and scuba diving without any height or depth restrictions, providing medical coverage up to HK$500,000.

This plan is the most affordable option among all the travel insurance plans. However, it only includes medical coverage and does not offer any additional coverage. Perfect for those who want to get medical coverage only.

Coronavirus Disease ( COVID-19 ) Extension (For Single-Trip and Annual Travel Policy )

Overseas Medical Expenses coverage up to HK$500,000

Accidental Death or Total Permanent Disability coverage up to HK$600,000

BOCG Insurance Universal Voyage Travel Insurance – Silver Plan (Asia)

Apart from covering skiing, scuba diving, and parachuting, the BOCG Insurance Universal Voyage Travel Insurance – Silver Plan (Asia) also provides coverage for personal liability (HK$1,500,000), vehicle rental coverage (HK$2,500), and loss of home contents (HK$10,000).

MoneySmart Travel Insurance 101: What is loss of home contents?

Loss of home contents refers to the coverage provided by the insurance policy for the loss or damage of personal belongings and possessions while the insured person is traveling. This coverage typically includes items such as clothing, electronics, jewellery, and other personal items that may be lost, stolen, or damaged during the trip.

This is a comprehensive travel insurance product that covers not only medical expenses but also provides additional coverage for personal liability, vehicle rental, and loss of home contents.

BOCG Insurance Universal Voyage Travel Insurance - Silver Plan (Asia)

【MoneySmart Exclusive Offer】 Enjoy 20% discount on BOCG Travel Insurance via MoneySmart! And within the promotional period, who successfully apply for an BOCG Travel Insurance of premium HK$300 or above will be entitled to one complimentary HK$75 UBER  e-Coupon.

Double Indemnity of Personal Accident, up to HK$1,200,000 (only applicable to Single Travel Plan).

Maximum limit for medical expenses up to HK$500,000, including the treatment expenses incurred inHong Kong within 3 months after the insured person’s return from abroad and Trauma Counselling Protection are also provided.

Protection for Dangerous Activities1, including bungee jumping, parachuting, rafting, diving, trekking & hot-air ballooning（not applicable to professional sportsmen or people engaged in competition）.

If “Black Alert” is issued which results in travel delay, cancellation and curtailment etc., the irrecoverable deposits or charges will be payable. (For details, please refer to the list of Outbound Travel Alert)

If Compulsory Quarantined due to Infectious Disease or issuance of any Outbound Travel Alert2 to the destination, the period of insurance will be automatically extended.

Rental Vehicle Excess Protection, cover limit up to HK$2,500 (per event).

24-hour Worldwide Emergency Assistance , offers you medical emergency assistance service, overseas hospital admission deposit guarantee and medical evacuation to suitable hospital or country of residence.

Dah Sing Insurance JourneySure Travel Insurance – Diamond

Dah Sing Insurance JourneySure Travel Insurance – Diamond has a slightly higher premium due to its comprehensive coverage, which includes higher compensation for medical coverage, trip cancellation, loss or damage of baggage, and coverage for high-risk activities like skiing, scuba diving, and parachuting (excluded: rock climbing or mountaineering above 5,000m or scuba diving below 30 m depth).

Additionally, vehicle rental is also covered.

While it may be slightly more expensive than other travel insurance products, it offers a special promotion of a HK$50 YATA coupon, which can provide up to a 25% discount, making it a better deal.

Dah Sing Insurance JourneySure Travel Insurance - Diamond

Cruise Interruption Cover additional transport ticket and excursions tour cancellation

Losing your phone, wallet, or any other personal property can ruin your trip, but if you get travel insurance beforehand, you can be assured of being compensated for your loss!

When it comes to claims for property loss, there are certain things you need to do to meet the insurance company’s requirements. For instance, if you encounter theft or damage to your property, you should report it to the local police within 24 hours and get a written report.

And when you make a claim, you’ll need to provide receipts for the items that were lost or damaged. Make sure the receipts have the purchase date, price, model, and category of each item. Also, keep in mind that the insurance company might subtract the depreciation value of the property when calculating the coverage amount.

Here is a comparison of the travel insurance offering the highest coverage for property losses:

Zurich Get “Z” Go+ Deluxe Plan: The highest coverage for lost property

The Zurich Get “Z” Go+ Deluxe Plan offers the highest compensation for lost property, up to HK$25,000. If you have valuable property that needs to be covered, this insurance plan is worth considering.

BOCG Insurance Universal Voyage Travel Insurance – Silver Plan (Asia) also provides coverage for lost property with compensation of up to HK$6,000. Additionally, the travel insurance policy covers up to HK$500,000 in overseas medical expenses.

Blue Cross TravelSafe Plus Global Diamond Plan

Now you can have peace of mind knowing that your lost property is covered by the Blue Cross TravelSafe Plus Global Diamond Plan. It offers up to HK$20,000 for baggage loss.

Last tip: Get your insurance as early as possible

Buying your travel insurance in haste robs you of the chance to compare the various options and get a value-for-money policy that offers enough coverage at a reasonable price. You definitely don’t want to spend too much on a policy, or get one that’s so thin it barely covers you for anything. So spend a bit of time to pick the best policy for you, taking a careful consideration of various factors, including your destination, trip duration, and planned activities.

Travel insurance protects you not just the time when you’re on holiday to enjoy life, but also the weeks before you leave Hong Kong. So, the only way you can have a trip with the peace in mind is to buy your travel insurance in advance—not in the cab, on your smartphone as you rush to the airport!  Don’t forget to check out the latest offers from MoneySmart travel insurance selection.

Frequently asked questions: Travel insurance

What is travel insurance.

Travel insurance is a type of insurance that provides coverage for unexpected events that may occur while traveling, such as trip cancellation, medical emergencies, lost or stolen baggage, and travel interruption.

Do I really need travel insurance?

A: It is highly recommended to purchase travel insurance before embarking on any trip, especially if you are traveling internationally. Travel insurance can provide financial protection for unexpected events that may occur while traveling.

What does travel insurance typically cover?

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Autumn is around the corner, check where you can see the best Japan autumn leaves now! (With top spots recommendation and transportation guide!) 

Want to stay ahead of the crowd? Visit the MoneySmart blog for more financial tips!

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Homepage: www.moneysmart.hk/en/

Travel Insurance

Mytravel insurance.

Covers irrecoverable charges for flight and hotel accommodation arising from trip cancellation or change of travel date for any reason(s) before departure, as well as stolen mobile phone while traveling

Destination

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Insured travellers

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The above content is a summary of the product information for your reference only. The actual amount to be paid by customers includes an insurance levy collected by the Insurance Authority. Before we proceed further with your application, please confirm that you fully understand the product and that the product features meet with your needs.

MyTravel Insurance is underwritten by Bolttech Insurance (Hong Kong) Company Limited (“bolttech Insurance”). This platform is operated by FWD Financial Limited ("FWD Financial"). FWD Financial is an appointed insurance agency of bolttech Insurance. Important Note For Customers Referred/ Redirected by Third Parties.

Product highlights

Benefit Schedule

Frequently asked questions

Be able to adapt to change - cancel³ or change³˒⁵ your journey for any reason² and still make a claim.

Rare-in-market¹ – cancel³ or reschedule 3,5 your trip before departure for any reason² and you can get reimbursed for up to 50% of the applicable public transportation and accommodation charges.

All fees for purchasing tickets and booking activities are covered³˒⁴

Pre-booked expenses for concerts/theme park tickets, experiential activities, etc, in case you are unable to attend due to sickness or injury, can be covered for up to HK$15,000.

Cover personal belongings such as mobile phones, travel documents, credit cards etc.³˒⁴

MyTravel³˒⁴ covers baggage and personal belongings losses comprehensively, or stolen of devices including smartphones, laptops, tablets, with no deductible. Loss of travel documents or unauthorized use of credit cards are separately covered for up to HK$3,000 each.

A must-have car rental protection for road trips³˒⁴

If the rented vehicle is damaged - for example, scratched while parking or stolen, you'll be fully covered up to HK$5,000 of the vehicle excess fees.

Enjoy popular sports during the tour³˒⁴

Medical coverage includes the leisure and amateur sports activities such as skiing, scuba-diving and hiking etc. Also get up to 80% protection for loss or damage of your sports equipment and gear!

Tailor-made worry-free protection for pet owners³˒⁴

Emergency pet boarding expenses in Hong Kong due to travel delay are covered. If your pet requires emergency treatment due to a serious disease and you need to cancel your trip and return to Hong Kong earlier than the original schedule, MyTravel 3,4 will reimburse you up to 50% of the related travel expenses.

Some of the features above are applicable only for specified plan(s). Please refer to the policy terms, conditions and exclusions for details.

3 levels to ensure a pleasant journey

Maximum Benefits Per Journey Per Insured Person (HKD)

Please refer to the policy provisions for the detailed terms, conditions and exclusions.

Benefit Schedule - Sum Insured; Maximum Benefits Per Journey Per Insured Person (HKD)

Major exclusions.

The product information contained in this website is a summary of the product features of the MyTravel Insurance policy for your reference only. For the full terms and conditions and exclusions of the policy, please refer to the policy provisions of the product. You should not purchase the plan solely based on the information on this website.

This product is underwritten by Bolttech Insurance (Hong Kong) Company Limited (“bolttech Insurance”), which is authorized and regulated by the Insurance Authority to carry on general insurance business in Hong Kong. This eCommerce Platform is operated by FWD Financial Limited ("FWD Financial"). FWD Financial, is an appointed and licensed insurance agency (License No. FA2568) of bolttech Insurance, and is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) for distribution of general insurance products in the Hong Kong SAR.

This product is only available for sale in Hong Kong and also to Hong Kong residents only. It is only valid for travel originating from Hong Kong.

Please make sure you are eligible for this product before applying.

Eligibility for this product: • I am a HKID card holder. • Currently in Hong Kong at the time of making this application. • My trip is departing from Hong Kong.

Enjoy additional 5% off!

If traveling with family or friends, you can save an additional 5% by purchasing the policy together! For details, please refer to the Group Discount Promotion Terms and Conditions.

This online product information is for your reference only. Please download the brochure to learn about your full benefits and key product risks. Please refer to the plan’s policy provisions for the exact terms and conditions and the full list of exclusions, you may also call bolttech Insurance’s Customer Hotline at +852 3123 3344 for complete explanation.

This product is underwritten by Bolttech Insurance (Hong Kong) Company Limited (“bolttech Insurance”). FWD Financial Limited is an appointed and licensed insurance agency of bolttech Insurance.

WARNING RE COVID-19

Policies purchased after 20 Mar 2020 will not provide any cover for claims directly or indirectly arising from, relating to or in any way connected with COVID-19 (or any mutation or variation thereof or any related strain). We will not therefore cover claims relating to any inability to travel, any decision not to travel or any changes to travel plans, nor any medical or health related loss or expense incurred, as a result of COVID-19. Refer to the  FAQ  for more details.

Scheduled Maintenance: Please note that the application service will be temporarily unavailable from 17 March 2024, 03:00am to 09:00am (HKT).

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We try to process your claim as quick as we can. Please click below link to understand more about the claim procedure and required document or process online submission.

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Chubb Travel Insurance Customer Service

Monday to Friday from 9:00 am to 5:30 pm (Closed on Saturday, Sunday and Public Holidays)

Tel: (852) 3191 6611

Fax: (852) 2519 3233

E-mail:  [email protected]

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*Collection of Levy on Insurance Premium: Insurance Authority (IA) has announced the collection of levy on insurance premium under the "Insurance Ordinance (Cap. 41)" with effect from 1 January 2018. All premium amounts displayed are inclusive of levy. For further information, please visit  www.ia.org.hk/en/levy .

© Chubb Insurance Hong Kong Limited. TravelEase Travel Insurance is underwritten by Chubb Insurance Hong Kong Limited. For full details of the Terms and Conditions of TravelEase Travel Insurance please refer to the  Single Trip Policy Wording  and  Annual Plan Policy Wording . Please read our  Privacy Policy  and  Terms of Use  for this website.

Travel Insurance

Which Travel Insurance Is Right For You?

Annual Trip Travel Insurance

Single Trip Travel Insurance

Travel insurance latest offer.

Get 40% off on your Travel Insurance

Enjoy a special 40% discount on single trip and annual plans. Children can further enjoy coverage at half price!

Automatic COVID-19 Extension Cover

Travel with confidence knowing that all Allianz Travel policies now come with COVID-19 coverage on a wide range of benefits. Extended coverage includes Medical Expenses, Overseas Hospital Daily Cash, Cancellation of Journey, and more.

Allianz Worldwide Partners (Hong Kong) Limited is a licensed insurance agency (which is registered at the Insurance Authority of Hong Kong SAR) appointed by Liberty International Insurance Limited. This Allianz Travel insurance policy is underwritten by Liberty International Insurance Limited, which is authorized and regulated by the Insurance Authority of Hong Kong SAR.

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TravelSurance Coverage

Take me straight to.

• Section 1 – Personal Accident
• Section 2 – Medical and Other Expenses
• Section 3 – Emergency Assistance
• Section 4 – Overseas Hospital Cash
• Section 5 - Baggage and Personal Effects
• Section 6 – Delayed Baggage (over 6 hours)
• Section 7 – Personal Money/ Unauthorised Use of Credit Card and Travel Documents
• Section 8 - Personal Liability
• Section 9 – Travel Delay (over 6 hours) [(9A and/or 9B) OR 9C]
• Section 10 – Trip Cancellation and Trip Curtailment
• Section 11 – Missed Event
• Section 12 – Rental Vehicle Excess
• Section 13 - China Medical Card (Optional for MultiTrip TravelSurance only)

1. No benefit is payable for hospitalisation relating to pre-existing condition.

2. The medical expenses for Chinese medicine, bone-setting and acupuncture fees is limited to HKD100 per visit per day up to HKD1,000. 

Key policy exclusions 

• Riot, civil commotion, war, invasion, civil war and related perils 
• Suicide, self-inflicted injury, illegal acts, insanity, drugs-taking, alcoholism, venereal disease, AIDs.
• Any pre-existing conditions, including congenital conditions
• Childbirth, pregnancy, miscarriage
• Engaging in: - any sports or activities which are played in professional capacity or in competition involving prize money or reward of any kind - deep-water diving (that is diving to a depth of greater than 40 metres) - motor rallies - aviation other than as a fare-paying passenger
• Manual work or hazardous work (e.g. involve the use of mechanical and/or electrical equipment or handling of explosive or hazardous substances, etc.)
• Property more specifically insured 
• Claims where no written notification is given to AXA General Insurance Hong Kong Limited within 30 days after end of the trip

For a full list of exclusions and terms and conditions, please refer to our policy wordings .

End Notes 

General Insurance products are applicable to HSBC Account holders and HSBC credit card holders only.

The above information is intended as a general summary. Please refer to the policy wording for exact terms and conditions and details of the exclusions.

The above policy is underwritten by  AXA General Insurance Hong Kong Limited ("AXA"),  which is authorised and regulated by the Insurance Authority of the Hong Kong SAR. AXA will be responsible for providing your insurance coverage and handling claims under your policy. The Hongkong and Shanghai Banking Corporation Limited is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agent of AXA for distribution of general insurance products in the Hong Kong SAR. General insurance plans are products of AXA but not HSBC.

For monetary disputes arising between HSBC and you out of the selling process or processing of the related transaction by HSBC, HSBC will enter into a Financial Dispute Resolution Scheme process with you. On the other hand, for any disputes over the terms and conditions of your policy, AXA will resolve with you directly.

Cover for you and your family

International health  insurance for hong kong , health insurance hong kong.

• Member support

Making access to healthcare  simpler, easier and safer

Do you travel frequently, either alone or with your family? If so, we can make access to healthcare easier for you. Our International Healthcare plans were designed for people who spend long periods overseas. It works much like health insurance at home: you’re not just covered for emergency treatment, but also for your diagnosis and post-treatment care.

Our Core Plans are flexible, affordable and comprehensive, covering in-patient and day-care treatments at home and abroad.

Our plans also include treatment for covid-19, subject to terms and conditions.

Your cover is also subject to:

•  Policy definitions and exclusions
• Any special conditions shown on your Insurance Certificate (and on the Special Condition Form issued before the policy comes into effect, where relevant).
• Any policy endorsements, policy terms and conditions and any other legal requirements.
• Costs being reasonable and customary in  accordance with country of treatment, standard and generally accepted medical procedures. If we consider a claim to be inappropriate, we reserve the right to decline or reduce the amount we pay.

Cover is not provided if any element of the cover, benefit, activity, business or underlying business violates any applicable sanction law or regulations of the United Nations, the European Union or any other applicable economic or trade sanction law or regulations.

Please check your Insurance Certificate, Benefit Guide and Table of Benefits to find out more.

Digital or in-person support  around the clock

Health and wellbeing tools.

Support for mental and emotional wellbeing with apps and services such as fitness coaching, Expat Assistance Programme, Digital check-up and Wysa mind coaching app    

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Digital  for convenience

Global telehealth services.

Talk to an experienced medical team 24/7 via phone, tablet or computer   

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Monthly live webinars

 Health & wellbeing updates by international health experts  

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24/7 Helpline in 6 languages

available to support you and your family  

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Second Medical Opinion

Build your  plan .

Our core plan options include a comprehensive selection of in-patient benefits and day-care such as hospital accommodation, surgery, medical evacuation and much more.  All our core plans include a selection of Global Health Services that aim to improve the quality of your life.

Provides flexibility and choice to enhance your cover by adding any of our optional plans, such as out-patient, dental, maternity and repatriation cover.

Global access to  cover so you can use your cover in any country included within your  area of cover. It is a good idea to select an area where you normally travel to or is based for work purposes.

Terms and conditions and regulatory restrictions apply.

Health insurance plans for  Hong Kong at a glance

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Hong Kong Care Pro

Hong kong care plus, hong kong care.

• Where necessary treatment is not available locally, we will evacuate the insured person to the nearest appropriate medical centre
• Where ongoing treatment is required, we will cover hotel accommodation costs
• Evacuation in the event of unavailability of adequately screened blood
• If medical necessity prevents an immediate return trip following discharge from an in-patient episode of care, we will cover hotel accommodation costs for a max. of 7 days

Global Health Services

Offers access to a range of 24/7 multilingual support services as follows:

• Counselling - confidential and professional support (in-person, phone and video)
• Legal and financial referral services
• Critical incident support
• Wellness website access

Offers 24/7 access to personal security information and advice for all your travel safety queries. This includes:

• Emergency Security Assistance Hotline (not a free phone number)
• Country intelligence and security advice
• Daily security news updates and travel safety alerts 

Our Health & Wellness support program includes, for example:

• HealthSteps fitness app
• Access to wellness resources 
• Manage your cover online with our app or portal
• Submit and track progress of claims
• Access your policy documents, health services, payment details and more

Optional Core Plan Deductibles

Deductible amount  

No deductible US$ 610/ HKD 4,760 US$ 1,015/ HKD 7,920 US$ 2,025/ HKD 15,800 US$ 4,050/ HKD 31,590 US$ 8,100/ HKD 63,180 US$ 13,500/ HKD 105,300

Discount on your Core plan premium when you don’t add a maternity plan

0% premium discount 5% premium discount 10% premium discount 20% premium discount  35% premium discount 50% premium discount 60% premium discount

Discount on your Core plan premium when you  add a maternity plan

0% premium discount  2.5% premium discount  5% premium discount  10% premium discount  17.5% premium discount  25% premium discount 30% premium discount

Optional Plans

Maximum plan limit US$5,000,000/  HKD 38,750,000 

COMPARE ALL PLANS

Maximum plan limit US$ 4,000,000/ HKD 31,000,000

Maximum plan limit US$ 2,500,000/ HKD 19,375,000

Get your health cover in a few simple steps

Why choose us  , flexibility, trusted leader, worldwide reach, innovative partner, quick and efficient, family-friendly solutions, let's  talk, looking for a different solution  , international healthcare plans for specific regions, short-term international health  insurance, critical illness cover  .

Coverage for pre-existing medical conditions (including pre-existing chronic conditions) depends on the medical underwriting terms you accepted.

• For policies which were fully medically underwritten, pre-existing conditions are generally covered unless we say otherwise in your policy documents.
• For policies with moratorium, pre-existing conditions are only eligible for coverage once you’ve completed a continuous 24-month period after your start date and have not had symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition during that time. 

For further information, please contact our Sales team .

Moratorium underwriting sets a waiting period for pre-existing medical conditions to limit the insurance risk. This means that:

• You won't need to tell us about pre-existing conditions of any member to be covered when you apply.
• There will be a 24-month waiting period before claims for any pre-existing medical conditions will become eligible.
• Pre-existing medical conditions may be covered, provided the member did not have symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition. This is suitable for individuals or groups where members have no pre-existing conditions.
• Claims Process may be longer as each time we receive a claim, we'll look at the member medical history. We may also ask for additional information to understand if the symptom or condition is new or pre-existing.
• This option is available to individuals or groups with 3 to 9 policies
• Availability of Moratorium Underwriting is dependent on geographical location and the relevant local country regulations in place.

Full medical underwriting   is when we assess the insurance risk before cover starts.  This means that:

• You’ll be asked to complete a medical questionnaire for each person to be covered, telling us about pre-existing conditions when you apply.
• Pre-existing conditions may not be covered (or there may be a surcharge to cover pre-existing conditions). Members will be asked to complete an application form disclosing their medical history before cover starts. Our underwriting team will then assess the information and decide if we are able to offer cover for medical conditions disclosed on the form.
• Claims process is shorter because we already know if pre-existing conditions are covered.
• This option is available to individuals or groups with 3 to 9 policies.

Find out more

Most of our contracts are for one year – but we have a short-term plan to suit members who need International Health Insurance for less than a year.

For all products, there is a 30 day cooling off period from the start date. After this, the policy may not be cancelled until renewal, regardless of whether a monthly or annual payment frequency is chosen. For more information please contact our dedicated sales team on +353 1 514 8480 .

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Leisure Travel Insurance

Whether you're off on a short trip, a two week holiday, a backpacking adventure or studying overseas, you can choose the travel insurance cover that matches your trip. There is no need to pay for cover you simply do not need. Chubb will provide clear facts about the benefits and options so you can decide what insurance cover is right for you.

Coverage Highlights

What it covers.

Chubb provides Single Trip Travel Insurance and Annual Travel Insurance for your unlimited business or leisure trips.

Coverages include:

• Personal Accident
• Medical Expenses
• Chubb Assistance - 24-Hour Worldwide Assistance Services
• Personal Property / Loss of Travel Documents
• Travel Cancellation
• Trip Interruption / Trip Curtailment / Travel Delay
• Personal Liability etc.

Apply TravelEase now ! 4 simples steps to receive confirmation SMS and Email instantly. 

Apply TravelWell now ! Get up to HKD1,000 shopping voucher upon successful enrollment (limited time offer). 

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Hong Kong Travel Insurance

Travel insurance and safety advice for visitors to hong kong.

Hong Kong Travel Insurance Plans

Medical care standards are excellent but costly. Healthcare is divided into public and private. In the case of emergency care, you will be taken to a public hospital, where you must pay for emergency services. There are many English-speaking doctors throughout Hong Kong. Purchasing travel insurance when visiting Hong Kong is recommended before your arrival.

Travel Medical Insurance Plans for Visitors to Hong Kong

For visitors to Hong Kong, a quality travel insurance plan is a must. These plans will cover your medical expenses if you get sick or injured while traveling abroad.

• Emergency medical, evacuation, repatriation benefits
• Choose between the basic and more extensive coverage
• Meets Schengen visa insurance requirements
• 24/7 worldwide travel and emergency medical assistance

Patriot Platinum Travel Insurance

• Maximum limits up to $8,000,000
• IMG pays 100% of medical expenses in-network
• Evacuation due to Natural Disasters & Political Unrest

There are no required vaccinations to obtain before traveling to Hong Kong unless you are coming from a country with a yellow fever outbreak. Over the winter months from December to March, Hong Kong is known to have an intense flu season. If you plan on traveling during the winter, a flu vaccine is recommended.

• Best Health Insurance Plans for Expatriates in China
• Travel Insurance for Visitors to China

Safety Tips for Visiting Hong Kong

Drinking tap water is not recommended as its quality can vary immensely depending on the pipes of the building you are in. It is safer to stick to bottled water or boiling tap water for 3 minutes.

Mosquitoes are prevalent. Therefore, you should always wear insect repellant and put hydrocortisone cream on any bites you receive.

If you need emergency medical assistance during your trip, dial 999 and ask for an ambulance. You should contact your insurance/medical assistance company promptly if you are referred to a medical facility for treatment.

When to Travel to Hong Kong

The climate is a subtropical climate with humid and hot summers and cool, dry winters. The best months to travel are October, November, and December. June to August is the rainy season. September holds the greatest threat of typhoons.

Getting Around

The only way into the country is through the mainland of China. Transportation to and from China is easy to find, with buses and trains traveling back and forth several times each day and too many destinations.

The country has an extensive public transportation system, including buses that take you all over the island, trains, ferries, subways, and taxis. Taxis are a bargain and are easily found on the streets. The drivers are said to be quite honest, but if you feel that you have been overcharged, there is a complaint hotline you can call to report it.

Social Interactions

Because it is so densely populated, it is common to show respect to strangers by paying as little attention to them as possible as you pass them on the street. For tourists, this can be taken as unfriendliness when, in reality, it is helpful in making sure each person has as much personal space as needed. With the busyness of many people, necessary interactions are efficient and quick, not like the typical warm encounter you may be used to.

Cost of Visiting Hong Kong

Hong Kong is a costly destination. The biggest expense is accommodations, with nightlife coming in a close second. As mentioned earlier, taxis and transportation are incredibly cheap compared to other parts of the world. Another tip to know is that there is no sales tax. You will see a 3% government tax on hotel stays. ATMs are widely found and are linked to international banking systems.

Travel and Safety Advice for Visitors to Hong Kong

At International Citizens Insurance, we strive to ensure you have all the information you need to travel safely to the most sought-after destinations in the world. Hong Kong travel insurance  can go a long way in protecting your health while you’re abroad, but there are also a few things you should keep in mind while getting ready for your  trip to Hong Kong .

1) Air Quality

Air quality in Hong Kong is among the poorest in the industrialized world. Travelers who are prone to asthma or bronchial infection should take special precautions. Plan to minimize time spent outdoors. Daily air quality index updates are available through news media and smartphone apps, so stay indoors during the worst conditions. Use a mask to reduce pollution intake.

One important thing to remember about Hong Kong’s air quality is that it can drastically reduce visibility. During the worst pollution, smog significantly reduces the number of daylight hours. For that reason, plan to return to your hotel early if you are not comfortable navigating Hong Kong in the dark. The summer months tend to be the best regarding air quality.

Read:  Pollution, Air Quality, and Smog in China

2) Typhoon Season

Typhoon season can be unpredictable throughout much of Asia. Luckily, Hong Kong’s advanced early warning system reports typhoons on all TV channels and in many major buildings. Typhoons are ranked between T1 and T10, with T3 typhoons considered serious enough to avoid coastal areas and take shelter. During a rare T8 typhoon, most workers will be excused.

If a typhoon of at least strength T3 is reported, return to your hotel to take shelter. Hotel staff can direct you to other shelters if needed, but this is very rare. Typhoon seasons run from May through September, but most storms skirt Hong Kong and create minimal disruption. A T10 typhoon occurred in 2012, but before that, the last T10 was all the way back in 1999.

3) Pickpockets & Scams

As with any major destination, con artists are always at work to relieve tourists of their money. Pickpockets, in particular, focus on visitors from abroad, not locals. Use a safe at your hotel to avoid carrying valuables into crowded city streets or public transportation. When carrying a wallet, keep your IDs separate, so you do not lose them in the event of theft.

There are more than 18,000 taxis in Hong Kong, most driven by independent owner-operators. As in other cities, you should be alert to unlicensed taxis. Insist that your taxi driver uses the meter to determine your fare. A semicircular, green emblem on the front grill and rear of a vehicle indicates a licensed taxi, with the number of available seats displayed.

4) Vaccinations

According to the Centers for Disease Control, travelers should strongly consider hepatitis A and typhoid vaccinations before traveling to Hong Kong. Hepatitis is frequently passed to visitors through contaminated food, especially street food, as well as contaminated water. Typhoid is particularly important if you will be traveling anywhere outside of central Hong Kong.

5) Medical Care

The healthcare system in China is one of the most advanced in Asia. However, care can be costly. In an emergency, you will be transported to a government-run hospital, typically charging a flat fee of over $500 (USD) for services. Other costs may also apply. Emergency care is guaranteed, so you will be billed later if you cannot pay immediately.

By contacting your local consulate or the private hospital of your choice, you can find a variety of doctors, dentists, and others who speak English. Private care is less expensive than a public hospital for visitors to Hong Kong; however, appropriate  travel insurance can help you significantly reduce what could be very hefty bills for specialized treatment.

For visitors to Hong Kong, a quality travel insurance plan is a must. The recommended plans below will cover your medical expenses if you get sick or injured while traveling abroad.

Enjoy Your Visit to Hong Kong

Despite the precautions, Hong Kong is a very rewarding place to visit for business or pleasure. I hope you will find your trip goes even more smoothly with these details in mind.

Additional Health Resources

• International Health Insurance Plans for Foreigners in China
• US Center for Disease Control
• Regional Hospitals
• Hong Kong Center for Health Protection
• UK Government Advice for Travel to Hong Kong

Get a fast, free, international insurance quote.

Global medical plans, specialty coverage, company info, customer service.

• Global travel destinations

Travel Insurance for Hong Kong, Hong Kong Travel Insurance

Compare and buy the best visitor travel insurance, buy visitor travel insurance.

Visitor travel insurance coverage - Highlights

Health care expenses.

Covers hospital expenses for sickness or accidents.

Doctor visit

Insures Doctor visits for sudden injury or sickness.

Pharmacy drugs

Doctor prescribed eligible pharmacy drugs expenses.

Pre-existing conditions

Some plans insure acute onset of pre-existing conditions.

Medical evacuation

Medical evacuation expenses to nearest facility included.

Repat of remains

Repatriation of remains to home country included.

Compare and buy the best Immigrant insurance

Us immigrant travel insurance coverage - highlights.

Compare and buy Student insurance

International student health insurance coverage - highlights.

Covers doctor visits in case of sudden injury or sickness.

Sports Activities

Some plans cover high school sports activities.

Hospital medical expenses for sickness or accidents during coverage.

International students who need coverage for existing medical ailments.

Maternity Coverage

Some plans offer coverage for pregnancy, maternity and new born.

Repatriation of remains expenses to home country in case of death.

Compare and buy Pre-Existing insurance

Visitor travel insurance Pre-existing conditions coverage - Highlights

What does us immigrant travel insurance cover, travel health insurance hong kong, travel insurance covid hong kong.

Schengen Visa Insurance

US Expatriates Insurance

Hong Kong Visitors Insurance

USA Visitors health Insurance

Hong kong opens for vaccinated international travelers post covid19 pandemic.

• Safe Travels Outbound insurance by Trawick International is available for US citizens traveling to Hong Kong with Covid insurance coverage.
• Safe Travels International insurance by Trawick International works well for Non-US citizens visiting Hong Kong with Covid19 coverage.
• Travel Medical Plus Insurance offered by Seven Corners has covid health insurance for visitors to Hong Kong. The Seven Corners coronavirus visitor insurance treatment benefit is available for COVID-19 (the disease); SARS-Cov-2 (the virus); and any mutation or variation of SARS-CoV-2.
• Diplomat Long term Insurance by Global Underwriters. The Diplomat Long Term travel insurance offers coverage for covid-19 as a new sickness and is available for both US and Non US citizens. It must be bought for a minimum of 3 months and insures up to 1 Million Dollars.
• Atlas International Insurance by World Trips offers good travel insurance for Hong Kong and covers covid19 illness.

Travel insurance for Hong Kongese going to the USA

Tourists on vacation, visiting family in the USA.

Steps to buy Travel insurance for Hong Kong online

Complete the travel insurance quote request form by providing details of the traveller and insurance requirements.

Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.

Purchase the plan that fits your requirements and budget best by using a credit card and completing the online application.

Review the travel insurance documents received by email closely for coverage details and relevant contact numbers.

Factors that determine the cost of US travel insurance plans

Age of the traveler.

The cost of travel insurance is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.

Type of travel insurance

Comprehensive travel insurance which provide exhaustive coverage are more expensive than fixed benefit travel insurance.

Medical maximum coverage and deductible options

The price of visitors medical insurance is directly dependant on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.

Region of coverage

Travel insurance depends on the coverage region. The cost for visitor health insurance for the United States is most expensive.

Length of travel insurance

The longer the duration of visitor medical insurance required, the higher will be the cost.

Any add on benefits

Additional add-on benefits like adventure sports coverage… will increase the cost of coverage.

Travel insurance for acute onset of pre-existing conditions

Travel insurance for Asthma

Travel insurance for Arthritis

Travel insurance for Diabetes

Travel insurance for Heart Ailment

International Travelers visiting Hong Kong

Hong Kong, the vibrant business center full of skyscrapers is an autonomous island in South Eastern part of China. The former British Colony till 1996 is a global financial hub and attracts traders and businessmen from around the globe. Hong Kong also attracts tourists in large numbers given its vibrant culture, cuisine, several shopping malls and entertainment options. Proximity to Macau which is known for its casinos also makes a visit to Hong Kong convenient.

In 2018, a new high speed train connection started from Hong Kong right up to Beijing. Tourists can now travel to over 30 destinations in mainland China from the newly

Among Hong Kong's many attractions is the shopping and entertainment center along Nathan Road in Tsim Sha Tsui. Victoria Peak is another popular tourist destination which provides an amazing vantage viewpoint of the bustling city, particularly in the night of Hong Kong's myriad skyscrapers. Ocean Park is a very popular theme park with roller coasters and is home to several exotic wildlife as well as one of the largest Aquariums in the world. In the nearby island of Lantau is the 34-meter high "Big Buddha" which is another impressive monument.

International tourists visiting Hong Kong make sure that they have proper travel medical insurance to shield them in the event of any adverse medical or logistical problem. At American Visitor Insurance, we offer best travel insurance Hong Kong provided by reputed US insurance providers. Customers can compare travel insurance for Hong Kong based on price and on benefits to make an informed decision. The frequently asked questions section helps customers understand the coverage and exclusions in an easy to understand manner.

Best time to visit Hong Kong and cost of travel

Given that Hong Kong has a subtropical climate, it has hot, humid summers and cool, dry winters. The best months to visit Hong Kong are between September to December. The rainy season is between June to August, while September does have threats of typhoons.

Hong Kong is a costly destination even for US citizens. The biggest expense easily being that of living accommodations most other expenses being much more affordable. The cost of transportation such

Travel insurance for international tourists visiting Hong Kong

There are many business travelers traveling to Hong Kong regularly. It is important for travelers to purchase proper travel medical insurance for US citizens to Hong Kong . since domestic US insurance plans will not cover you outside US borders. Business travelers can buy the Annual multi-trip plans, which allows travelers international travel several time during the year as long as each trip is less than the allowed duration (usually 30 or 45 days). Travelers can always buy the single trip insurance plan if they are not traveling overseas regularly.

Hong Kong travel insurance, Safety and travel medical insurance Hong Kong

Hong Kong has excellent healthcare standards however it is expensive even by American standards. If the event of an medical emergency, visitors can dial 999 for an ambulance. In this context it is very strongly recommended that you buy adequate visitor travel insurance while traveling to Hong Kong. Drinking tap water like in most of Asia is not recommended. It is safer to stick to bottled water or boiling tap water before drinking it. Mosquitoes are quite common and it is recommended that you wear long sleeve clothing and use a mosquito repellent.

Travel insurance for Hong Kong citizens

Travel insurance for international travelers visiting hong kong.

Hong Kong is a very cosmopolitan city having one of the best city views and is also known as a shoppers' paradise. Its Multicultural experience western life, skyscrapers , causeway bay, the Victoria’s Peak and Disneyland attracts millions of visitors each year . Hong Hong attracts millions of visitors annually and the island city has had 2,838,665.00 immigrants in 2015 Given this large number of immigrants it is natural that the city attracts friends, family and relatives to visit them in Hong Kong.

Hong Kong is a very cosmopolitan city having one of the best city views and is also known as a shoppers' paradise. Its Multicultural experience western life, skyscrapers , causeway bay, the Victoria’s Peak and Disneyland attracts millions of visitors each year . Hong Hong attracts millions of visitors annually and the island city has had 2,838,665.00 immigrants in 2015. Given this large number of immigrants it is natural that the city attracts friends, family and relatives to visit them in Hong Kong.

Student insurance for International students in Hong Kong

Hong Kong is home to some of the highest-ranked Asian universities. Hong Kong is truly a powerhouse of higher education. In the QS World University Rankings Hong Kong University was at 23rd position. Hong Kong has some of the renowned universities of Science and Technology. Studying in Hong Kong offers students a good development of social and professional aspects. It also provides a network to start a good career. In 2019-20 there were 41,133 international students studying in Hong Kong.

International students while staying away from home often ignore their health. Falling sick while away from home is traumatic especially without good care. Healthcare is very expensive and International students in Hong Kong need good student health insurance. Student health insurance has emerged as one of the important documents At American Visitor Insurance, students can buy good International student medical insurance with Covid19 and acute onset of pre-existing conditions. Students can also get 24/7 customer support by licensed agents besides providing Answers to FAQ's by students.

Expatriate medical insurance for Expats in Hong Kong

Expats generally are adventurous and often like to travel around the world looking for career opportunities outside of their home country. There are a good number of expats in Hong Kong who work and live for better socio-economic life. Due to its close proximity to China and other Asian markets, Hong Kong is one of the world's leading international financial centers. Hong Kong is a hub for many corporations and start-ups. Hong Kong has over 301,000 expats living there, accounting up to 0.6% of the global expats.

While living away from home it is important to have good Expat insurance. A good Expat medical insurance will provide coverage for medical emergencies during the stay in Hong Kong. Many of these expats travel back to their home country on special festivals and occasions to spend time with family and friends. At American visitor insurance one can get different temporary and expatriate travel medical insurance including Covid19 and pre-existing conditions coverage. Buying Expatriate medical insurance is easy at American Visitor Insurance. For more details call or email us for further assistance and one of our licensed agents

Travel insurance for professionals working in Hong Kong

Hong Kong is a cosmopolitan city and is a center for international trade and investment. Hong Kong has got a world class center of business, culture and trade with Western and Asian influence. The city offers great jobs and low cost of living. There are quite a few overseas professionals living and working in Hong Kong.

While immigrating or traveling to Hong Kong it is important that one should have good immigrant insurance or short term visitor’s medical insurance particularly given the current Covid19 pandemic. Health care is expensive and visiting a hospital without insurance is scary. An adequate visitor’s insurance cover will provide coverage for unexpected medical emergencies that may occur during your stay in Hong Kong.

American visitor insurance works with some of the finest insurance providers who offer some of the best travel insurance price with options for pre-existing conditions and Covid19 coverage. There are tools to compare several immigrant insurance plans both for prices as well as coverage. For more details you can call or email us for further assistance and one of our licensed agents will help you.

Select the type of travel health insurance for visiting Hong Kong...

 travel insurance with quarantine coverage, travel insurance for quarantine coverage.

• Travel insurance for US Citizens and US Residents traveling outside USA
• Provides minimum coverage of $3,000 for potential or extended quarantine lodging expenses due to Covid19.
• Provides guaranteed travel insurance for Covid19 for medical expenses of at least USD $50,000.
• Covid-19 is covered as any other sickness
• Safe Travels Voyager plan's trip delay benefit can be upgraded.
• The base benefit is $3,000 (which is $250 per day). Traveler’s can choose $4000 ($300 per day) or $7000 ($500 per day).
• Travel insurance for American citizens and US Residents traveling outside USA
• Provides minimum coverage of $2,000 for potential or extended quarantine lodging expenses due to Covid19.
• Covid-19 is covered as any other sickness.
• Covid Quarantine Benefit: Coverage for accommodations due to a covered Trip Delay $2,000/$150 per person per day (6 hours or more) is included in the basic coverage.
• Optional Quarantine Benefit Upgrade at additional price Trip Delay Max Upgrade - including Accommodations (6 Hours or more) $4000 ($300/day) or $7000 ($500 per day)
• Travel insurance for Non US Citizens and Non US Residents traveling outside their home country
• Travel insurance for US Citizens and US Residents
• Provides minimum coverage of $1,000 for potential or extended quarantine lodging expenses due to Covid19.
• Covid19 medical expenses are covered and treated the same as any other sickness
• Offers coverage of $50,000 for emergency medical expenses
• Offers comprehensive trip cancellation coverage
• Travel medical insurance coverage outside USA
• Atlas insurance offers $50 per day for each day that travelers are quarantined abroad for a maximum of 10 days.
• Coverage must be bought for a minimum of 30 days. Proof of quarantine mandated by physician needed.
• Quarantine must be due to you testing positive for COVID-19/SARS-CoV2.

• Travel insurance for US Citizens and US Residents traveling outside US
• Trip cancellation up to $50,000
• Trip interruption up to 200% of trip cost
• $500,000 medical for sickness and injury/$1,000,000 medical transportation
• Include $2000 in travel delay benefits for quarantine/lodging.

Covid Quarantine insurance for US citizens

Despite the removal of the Covid-19 restrictions both in the US and around the globe, it is prudent for US citizens to purchase international travel insurance which will make the whole trip worry free and provide good protection for any medical or travel related expenses in case of unexpected situations.

US travelers can either buy US Covid quarantine coverage trip insurance (includes coverage for cost of the trip), or Covid quarantine travel health insurance (insures only the health of the traveler and is cheaper than trip insurance).

 Travel medical insurance to emergency medical expenses

Best travel insurance, best international travel insurance for us citizens.

• Travel medical insurance for US Citizens and US Residents traveling outside USA
• Available up to 180 days
• Offers emergency sickness coverage up to $500,000
• Covid-19 covered as any other sickness
• Coverage for travelers traveling outside their home country whose destination excludes the U.S. and its territories.
• Deductible options from $0 to $2,500
• Policy Maximum from $50,000 to $2,000,000
• Renewable upto 24 continuous months
• Covers COVID-19/SARS-CoV-2 as any other Illness or Injury.
• Patriot Platinum Insurance is best suited for travelers expecting first-class medical coverage; vacationing families; individuals up to $8 million.
• Deductible options from $0 to $25,000
• Policy Maximum from $1,000,000 to $8,000,000
• USA travel medical insurance coverage outside USA for US citizens
• Available up to 365 days
• Offers maximum coverage up to $2,000,000
• Offers insurance coverage for Covid expenses
• US travel health insurance for US citizens outside USA
• Available from 5 days to 364 days
• Offers maximum coverage up to $5,000,000
• Travel Medical Choice insurance offers coverage for expenses related to COVID-19
• Short term fixed benefit cheap travel insurance USA for US citizens outside USA
• Plan maximum options available up to $130,000 for medical expenses
• Offers coverage outside the US
• Deductible options from $0 to $1,000
• Policy Maximum from $50,000 to $150,000
• Offers emergency medical evacuation coverage up to $500,000
• Offers coverage for travelling outside your home country
• It includes coverage for Covid-19 is covered as any other illness under the medical expense maximum.
• Testing for Covid-19 will only be covered if deemed medically necessary by a physician. The antibody test and prescreening test are not covered, as they are not medically necessary. Maximum age for plan eligibility is 64.

 Expatriate heath insurance for living outside home country

Best expat insurance, best expatriate insurance, expat insurance plans.

• Ideal for US expatriates and for those global citizens living and working outside their home country.
• Xplorer Premier Insurance provides unlimited annual and lifetime medical maximum.
• It covers pre-existing conditions with creditable coverage

 Trip cancellation insurance for trip investment expenses

Best trip cancellation insurance, best trip protection insurance, best trip cancellation insurance.

• Trip Cancellation: Up to 100% of insured trip cost
• US Residents on domestic and worldwide trips
• Travel SE Covid Quarantine Benefit : Travel SE plan offers Coverage for accommodations due to a covered Trip Delay $2,000/$125 per person per day is included in the basic coverage.
• Travel LX Covid Quarantine Benefit : Travel LX plan offers Coverage for accommodations due to a covered Trip Delay $2,500/$250 per person per day is included in the basic coverage.
• Inexpensive coverage for trip cancellation & interruption
• Travel Lite Covid Quarantine Benefit : Travel Lite plan offers Coverage for accommodations due to a covered Trip Delay $500/$125 per person per day is included in the basic coverage.
• Trip Cancellation: Up to 100% of Trip Cost Insured
• Up to 100% of Trip Cost Insured
• It covers Trip Cancellation coverage from $150 to $10,000.
• Trip Cancellation: Trip Cost: Up to a Maximum of $30,000.
• Maximum Trip Length 90 Days
• Offered by Trawick International and is highly rated.
• You can add a "Cancel for Any Reason" waiver onto the plan.
• It can cover trips up to 90 days long.
• Cancellation of policy must be purchased within 10 days of the initial trip deposit date.
• Trip Cancellation: Basic - $15,000 Max
• Trip Cancellation: Plus - $100,000 Max
• Trip Cancellation: Elite - $100,000 Max
• Trip Cancellation: 100% of trip cost up to $30,000
• Provides coverage for U.S. residents travelling outside their home country
• Trip Cancellation: 100% of trip cost up to $100,000

 Trip cancellation insurance for Cancel for any reason

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• Cancel For Any Reason: 75% of non-refundable trip cost
• Trip Cancellation: Tour cost to a maximum of $100,000
• Cancel for Any Reason: Up to 75% of trip cost insured
• Trip Cancellation: Up to 100% of Trip Cost
• Cancel for Any Reason: 75% of non-refundable trip cost
• Trip Cancellation: Up to a Maximum of $50,000. ($30,000 for travellers above 80 years)
• Cancellation for Any Reason: 75% of the Insured Trip Cost within 21 days of trip deposit - some restrictions apply. Not available in NY or WA.

 US seniors traveler insurance, Medicare supplement international travel insurance

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• The GlobeHopper Senior plan is available either as the GlobeHopper Single-Trip plan for single trips with coverage from 5 days to 365 days
• The GlobeHopper Multi-trip plan which covers a period of 12 months with a maximum of 30 days for each overseas trip
• It is an affordable international travel health insurance for US citizens.
• It offers coverage for medical and evacuation expenses for short trips.
• It is available up to 12 months
• It is an renewable long term international travel health insurance for US citizens.
• It offers coverage for medical and evacuation expenses.
• It is available up to 12 months.

 Annual travel insurance, Yearly travel insurance

Best annual travel insurance, best yearly travel insurance, annual travel plans.

• Patriot Multi Trip is designed by IMG to cover travelers taking multiple trips in a year.
• Covers non US Citizens travelling multiple times annually outside their home country
• Trekker Essential Insurance offers maximum coverage of $50,000 for sickness and accidents.
• Available for both US and Non US citizens up to 75 years
• Maximum trip length is 30 or 45 days per trip
• Available for US residents only up to age 81 years
• Maximum trip length is 30 days per trip
• Voyager Annual (offered by USI Travel Insure) covers US citizens in and out of the US at least 100 miles away from home.
• It does not cover trip cancellation but can be used for 90 days at a time within a year and is great for frequent travelers.
• Take an unlimited number of Covered Trips during the 364 day Policy period
• Covers domestic and international trips - up to 90 days each
• Offers two plan levels namely Silver and Gold offer options for different needs and budgets
• Provides coverage for Emergency Accident and Sickness, Emergency Medical Evacuation, Baggage & Personal Effects, Baggage Delay, and Accidental Death and Dismemberment.
• The Gold plan includes additional benefits like Trip Interruption and Political Natural Disaster Evacuation

Review and compare the best Annual insurance.

Types of US travel insurance

Single trip travel insurance.

Compare and Buy Best US Single trip travel Insurance for travel within the US and overseas

Single Trip vs MultiTrip Travel Insurance

Compare Single trip vs multi trip insurance plans offered by US insurers.

Travel health insurance Hong Kong comparision

Trip cancellation insurance.

Trip cancellation insurance related emergencies while in Hong Kong.

Travel medical insurance

Travel insurance for Hong Kong to cover accident and medical expenses.

Annual multi-trip insurance

Annual travel for frequent travelers to and from Hong Kong.

Group insurance

Covers five or more travelers on same schedule.

Resourceful tourist insurance USA information

Find the best travel insurance, how does travel insurance work, how to buy travel insurance, travel insurance glossary, travel insurance for specific groups, compare travel insurance plans, hong kong travel insurance, covid insurance for travel to hong kong - faq's, 01.  what is the best hong kong travel insurance.

Good question and we try hard to find the best answer to this question! Given the unique needs of different travelers there is not one Hong Kong travel insurance plan that always works best for everyone. If you are a traveler with concerns about an existing medical conditions, then you will be looking at different plans as opposed to a different traveler without any life-threatening pre-existing condition.

We endeavor to give our customers all relevant information so they can find the best Hong Kong travel insurance plan. Our travel insurance quote comparison tool helps travelers compare Kyrgyzstan travel insurance plans based on price and coverage in an objective manner. If you want some more guidance, our licensed agents are here to help you with your choice!

02.  How much is travel insurance for Hong Kong?

The cost for the Hong Kong travel insurance varies depending on the age of the traveler and the duration of coverage required. The older the traveler the higher is the cost. The longer the duration of Hong Kong travel insurance required, the greater will be the cost.

Our Hong Kong travel insurance quote comparison facility lists the travel insurance that satisfy your requirements comparing them based on price and benefit. Compare and buy best travel insurance for Hong Kong.

03.  Why American visitor insurance?

American Visitor Insurance works with reputed US travel insurance providers to give US and international travelers a wide range of travel insurance options. We have two decades experience in understanding the diverse needs of US citizens and international travelers and in offering appropriate travel insurance options to them. Our typical customers range from US citizens on vacation, international travelers visiting the US, international students, J visa holders, H1b Visa holders, US travelers going overseas, travelers to Schengen countries needing travel insurance for visa requirements, trip cancellation customers to insurance their trip expenses, travelers looking for Covid19 travel insurance with quarantine coverage as mandated by certain countries, corporate professionals and business travelers who travel internationally regularly as well as other diverse traveling groups with unique needs.

Our licensed customer support team provide service at all times helping travelers find the most appropriate travel insurance for their needs as well as guide them when using the insurance in the event of a medical or travel emergency. We also provide answers to all international travel insurance questions, reviews of different products, testimonials for customers as well as provide an user friendly travel insurance comparison tool where travelers can compare different products based on price as well as the coverage benefits. All of these tools help travelers make an informed decision while buying travel insurance.

  Hong Kong - General Information

Hong Kong is a special administrative region of the People's Republic of China, located on the southern coast of China. It has a unique status within China, enjoying a high degree of autonomy and maintaining separate legal, economic, and political systems from the mainland. The city is known for its vibrant economy, bustling metropolis, and distinctive blend of Eastern and Western cultures. The official languages of Hong Kong are Chinese (Cantonese) and English. The currency of Hong Kong is the Hong Kong dollar (HKD). It is freely convertible and widely accepted throughout the city. Both languages are widely spoken and used in official government documents, business, and education. Hong Kong has one of the world's most dynamic and free-market economies. It is a major financial hub, known for its international banking and finance sectors. The city is also a prominent center for trade, logistics, and tourism.

Chinese, English

Around 7 million

Hong Kong Dollar Dollar

November and March

The Peak, Hong Kong Disneyland, Ladies Market, Ocean Park Hong Kong, Temple Street Night Market, Clock Tower.

Popular tourist destinations in Hong Kong

Wong Tai Sin Temple

The temple complex is made up of several buildings, including the Hall of Three Saints, the Good Wish Garden, and another hall dedicated to Confucius and his 72 disciples.

Ocean Park is a marine mammal park, oceanarium, animal theme park and amusement park situated in Wong Chuk Hang and Nam Long Shan in the Southern District of Hong Kong.

Dragon's Back Hike

This popular trail offers spectacular views out over the ocean, Big Wave Bay, Mount Collinson, Stanley etc.

Tsim Sha Tsui

Tsim Sha Tsui offers Avenue of Stars, Space Museum,shopping, entertainment hub etc.

Travel insurance Hong Kong price, Best travel insurance Hong Kong

Travel insurance Hong Kong resources

International travel insurance resources for Hong Kong visa holders.

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Important factors while deciding on the best travel insurance to Hong Kong

Types of Hong Kong travel insurance online

Understanding different types of Hong Kong visa travel insurance options.

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International travel Insurance for Hong Kong residents

Select the best health insurance for visitors to usa..., covid travel health insurance for usa, coronavirus health insurance for foreigners in usa.

Most countries have opened their borders now for international tourism. Unfortunately, even years after the pandemic started in China, Covid is again making a comeback with new immune-evasive variants.

The Covid situation is made even more complicated with influenza and the respiratory syncytial virus (RSV) which is also spreading across the globe. Though there is a risk with the new variants, authorities have relaxed their strict controls thanks to improved vaccination coverage.

However, while Covid appears to be less virulent and no longer as dangerous thanks to a large percentage of the population having vaccinations and booster shots, Covid

Budget travel insurance with covid19 coverage for visiting USA

Trawick international travel insurance.

Trawick International offers visitor medical insurance for coronavirus with their Safe Travels USA Insurance . The Safe Travels USA Comprehensive plan is ideal for travelers with pre-existing medical conditions even for travelers older than 70 years. You can compare Safe Travels USA Covid19 travel insurance plans and buy it online to get coverage as early as the following day. After buying the Trawick travel insurance, travelers can download a visa letter which indicates that Safe travels USA visitors insurance covers covid19 illness.

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Seven Corners visitors medical insurance

International medical group (img) coronavirus insurance.

International Medical Group (IMG) travel insurance offers coronavirus insurance for USA. IMG's Patriot America Plus , Patriot Platinum insurance , Visitors Protect insurance and Visitors Care insurance plans cover COVID-19 like any other illness. The Patriot America Plus Insurance and Patriot America Platinum insurance include COVID coverage up to the policy maximum.

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INF travel insurance

INF travel insurance offers coverage for coronavirus as any other new sickness. It is available for Non-US citizens or residents travelling to the US. INF Premier and INF Elite plans covers pre-existing complications from COVID-19.

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Global Underwriters US visitor insurance

Diplomat America visitors insurance by Global Underwriters offers coverage for covid-19 as a new sickness. It is available for Non-US citizens or residents travelling to the US. Diplomat Long term Covid19 medical insurance must be bought for a minimum of 3 months and has a plan maximum options of $500,000 and $1,000,000 for medical expenses. You can compare Diplomat insurance for visitors to USA.

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WorldTrips insurance

Atlas travel insurance coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.

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Travel Insurance Services travel insurance

• If you are traveling to the US : Visit USA coronavirus insurance offers coverage for COVID-19 as a covered medical expense.
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Best health insurance for visitors to USA, Best travel insurance for USA

• Patriot America Plus Covid insurance offers coverage for coronavirus illness.
• Covers acute onset of pre-existing conditions till maximum limit (up to 70 years).
• Available for US citizens visiting USA
• Visitors Protect Covid insurance offers coverage for coronavirus illness.
• This plan covers pre existing conditions for age 69 and below up to $25,000 and for ages 70 and above it covers up to $20,000 with deductible up to $1,500.
• Atlas America Covid insurance offers coverage for coronavirus illness.
• Covers acute onset of pre-existing conditions till maximum limit (up to 79 years).
• Diplomat America Covid insurance offers coverage for coronavirus sickness
• Covers acute onset of pre-existing conditions up to policy maximum for age up to 69 years.
• It offers coverage for visitors up to 89 years.
• Covers Covid insurance offers coverage for coronavirus sickness
• Covers treatment of acute onset of pre-existing conditions (up to 79 years)
• INF Elite Covid19 insurance offers coverage for coronavirus.
• Treats Coronavirus/covid19 as a new sickness & covered by the plan
• Best comprehensive plan that covers all pre-existing conditions up to 99 years.
• Comprehensive plan with full pre existing condition coverage which is unique.
• Covers 90% of eligible medical expenses.
• There is a minimum purchase of 90 days required to buy this plan
• Covers Preventive & maintenance care and coverage for full body physicals.
• Coverage for TDAP, Flu, etc Vaccines
• INF Traveler USA 90 covers 90% of elgibile medical expenses
• Minimum purchase of 30 days is required for this plan.
• This is a comprehensive plan too but does not cover pre existing condition
• INF Traveler USA Covid insurance offers coverage for coronavirus illness.
• This plan is available for Non-US Citizens. Anyone visiting USA, Canada and Mexico can enroll in this plan.
• Optional pre-existing conditions rider offers coverage for Stroke or Myocardial Infarction (heart attack) for travelers of any age.
• Plan can be renewed up to 2 year.
• Offers coverage for acute onset of pre-existing conditions up to 79 years.
• Renewable up to 364 days
• It offers coverage for acute onset of pre-existing conditions up to 70 years.
• Plan can be renewed up to 364 days.
• Safe Travels Elite Covid insurance covers coronavirus illness.
• Covers acute onset of pre-existing conditions up to 89 years.
• This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date
• INF Premier Covid insurance covers coronavirus illness.
• Covers all pre-existing conditions, this means doctors, appointments, blood tests & labs, specialist care, urgent care visits, & hospital stays are all covered for pre-existing conditions.
• INF Standard Covid insurance covers Coronavirus illness.
• This is a fixed plan and is available for both US and Non US citizens visiting the US.

Best travel insurance for pre-existing conditions, Best Visitors insurance with pre-existing conditions coverage

• Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 70 years).
• The plan is available for individuals traveling outside their country of residence and traveling to the US, Mexico, or Canada.
• Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 79 years).
• Covers Acute Onset of a Pre-Existing Condition: Up to 69 years the limit is up to the Medical Maximum purchased per Period of Coverage. For any coverage related to cardiac disease, coverage is limited to $25,000 up to age 69 years, with a $25,000 Maximum Lifetime Limit for Emergency Medical Evacuation. Any repeat recurrence within the same policy period will no longer be considered Acute Onset of a Pre-Existing Condition and will not be eligible for additional coverage.
• Covers Up to $1,000 for sudden, unexpected recurrence of a Pre-existing Condition
• Safe travel USA Covid insurance offers coverage for coronavirus.
• Covers unexpected recurrence of a pre-existing medical conditions up to $1000
• Eligible for foreign residents visiting USA and worldwide
• Travel Medical Choice Covid insurance offers coverage for coronavirus sickness
• Covers expenses for treatment of acute onset of pre-existing conditions
• Acute onset of pre-exisitng conditions are available for Worldwide including US - $50,000 up to 65 years; $5,000 for 65 to 79 years and Worldwide excluding US - $50,000 up to 65 years; $10,000 for 65 to 79 years.
• The policy maximum for this comprehensive insurance starts from $50,000 and provides up to $5,000,000. For people above age 80 years, they get a policy maximum of $10,000
• Acute onset of pre-exisitng conditions are available for Worldwide including US - $5,000 up to 65 years; $2,500 for 65 to 79 years and Worldwide excluding US - $25,000 up to 65 years; $5,000 for 65 to 79 years.
• This is a comprehensive plan with excellent coverage.
• Elite plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years.
• Policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
• This plan need to be purchased for a minimum of 3 months.
• This is a comprehensive plan with full pre existing condition coverage which is unique.
• Pre-existing complications from covid-19 covered
• Elite 90 plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years $1,500 for age 0 to 69 years.
• Covers accident & sickness while traveling to USA, Canada, and Mexico and covers 90% of eligible medical expenses
• Elite Plus plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years $1,500 for age 0 to 69 years.
• Policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years. Coverage for TDAP, Flu, etc Vaccines.
• Visit USA Insurance is an excellent medical insurance for tourists and holiday travelers, parents of students studying in the United States, new immigrants and visiting scholars in the USA.
• Visit USA offers 3 plans to satify your requirements and budget.

Senior Citizen travel insurance for above 60 years

• The best travel health insurance for 60 year old travelling to the US is Atlas America .
• With the best travel insurance plans for people under 70 years, you get covered up to policy maximum for acute onset of pre-existing conditions for people up to age 79.
• Atlas Premium is another version of this plan with higher coverage available for some of the benefits as compared to Atlas America.
• You can compare Atlas Travel insurance plans .
• Travel Medical Basic offers coverage up to $5,000 for acute onset of pre-existing condition in including USA and $25,000 for exclusing USA till 65 years.
• Travel Medical Choice Travelers must be at least 14 days old and under 75 years to be covered by this plan.
• You may buy coverage for yourself, your legal spouse, domestic partner, or civil partner, your unmarried children under the age of 19, and your traveling companions.
• The Inbound plans ( Travel Medical USA Visitor Basic , Travel Medical USA Visitor Choice ) cover acute onset of pre-existing conditions for people up to age 79 years.
• Patriot America Plus Plan offer coverage upto choosen plan maximum for travelers under 70 years. This is a comprehensive plan from IMG and is is similar to the Patriot America with the unique difference in the benefit that covers acute onset of pre existing conditions up to the age of 70
• Visitors Protect plan offer maximum limits from $50,000 to $250,000.
• Covers medical evacuation, emergency reunion, repatriation of remains, Accidental Death & Dismemberment, etc.
• Patriot Platinum Plan covers acute onset of pre existing condition up to the age of 70 for up to $1,000,000. $25,000 maximum limit for medical evacuation.
• This is a comprehensive plan and is the plan with excellent coverage.
• This plan covers all pre existing conditions including blood tess, doctor appointments, specialist care...for US and NON US citizens coming to the US, which is unheard of, when it comes to visitor insurance plans.
• This plan provides a maximum of $25,000 for pre existing conditions up to age 69 subjected to a deductible of $1,500.
• Pre-Existing complications from Covid-19 covered.
• This is a comprehensive plan with full pre existing condition coverage which is unique. This includes doctor appointments, blood tests and lab, specialist care, urgent care visits and hospital stays are covered for pre existing condition
• Covid-19 medically necessary testing & treatment covered 100% as any other new sickness with no cost sharing.
• Covers 90% of elgibile medical expenses
• This plan covers eligible accident & sickness (excluding pre-existing conditions) while traveling to USA, Canada, and Mexico
• Minimum purchase of 30 days is required for this plan
• This is a comprehensive plan too but does not cover pre existing condition.
• This is another comprehensive plan from INF.
• This plan differs from the other INF comprehensive plans where it does not cover pre existing conditions.

Older traveler medical insurance for above 70 years

• Safe Travels USA Comprehensive is a very popular option for coverage of acute onset of pre-existing condition for people above 70.
• Seniors travel insurance plan provides a coverage of $25,000 for acute onset of pre- existing condition and for heart related diseases a maximum of $15,000 upon attaining age 70.
• For the age of 65 and above this plan however provides a policy maximum of $50,000 only.
• Atlas America plans from WorldTrips have upgraded their benefits for acute onset of pre-existing conditions up to age 80.
• There is also a higher policy maximum option available for people above 70 up to the age of 79.
• Atlas Premium plans from WorldTrips have upgraded their benefits for acute onset of pre-existing conditions up to age 80.
• The highest maximum that can be purchased for a comprehensive plan is Patriot Platinum which offers pre-existing condition coverage up to $2,500 for any condition.
• In the $50,000 range there are many fixed benefit and comprehensive plan options available
• Travelers must be at least 14 days old and under 99 years to be covered by this plan.
• Offers coverage from 90 days to 12 months.
• This plan covers pre existing conditions for ages 70 and above it covers up to $20,000 with deductible up to $1,500.
• Visitors Care which offer limited coverage of $2,500. Visitors care insurance offers coverage for acute onset of pre-existing conditions with sublimits up to chosen plan maximum.
• INF Elite plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions.
• This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan.
• INF Elite 90 plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions.
• Pre-existing complications from covid-19 covered.
• Coverage for TDAP, Flu, etc Vaccines.
• INF Elite Plus plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions.
• INF Traveler USA 90 This plan provides a policy maximum of $75,000 for people over 70 up to the age of 99.
• This plan does not cover pre existing conditions including acute onset of pre existing conditions.
• Covers 90% of elgibile medical expenses and minimum purchase of 30 days is required for this plan.
• INF Traveler USA plan This plan provides a policy maximum of $75,000 for people over 70 up to the age of 99.

Senior Citizen travel insurance for above 80 years

• Travel Medical USA Visitor Basic insurance and Travel Medical USA Visitor Choice insurance with a higher deductible and up to $100,000 maximum.
• Inbound Choice Insurance is meant for immigrants to the US with or without green cards renewable up to 3 years, it is also available for any legal visitors to our lovely country.
• Senior Travelers above 90 years are also eligible to buy the Travel Medical USA Visitor Basic and Travel Medical USA Visitor Choice insurance.
• The Safe Travels USA Comprehensive is also very useful for this age group as it provides a policy maximum of $50,000 and provides coverage for acute onset of pre-existing conditions for $25,000 and $15,000 for heart related pre-existing condition.
• Non-US citizens and Non-US residents traveling outside their home country but not to the United States. This includes emergency medical evacuation, repatriation and security evacuation benefits.
• It is ideal for foreign residents visiting USA and then other countries worldwide. Travelers on transit visa in US can also purchase this plan.
• This Policy provides coverage to non-US citizens who reside outside the USA and are traveling outside of their Home Country to visit solely the United States, or to visit a combination of the United States and other countries worldwide.
• This Policy is not available to green card holders in the USA. This Policy is not available to anyone age 90 or above.
• Available for individuals traveling outside their country of residence and traveling to the US, Mexico, or Canada.
• It is available for travelers of ages 14 days to 99 years.
• This plan is available for people traveling to the USA and are not US Citizens, US Residents or Greencard Holders.
• It is available for travelers of ages 70 to 89 years
• INF Traveler USA plan plan provides a policy maximum of $75,000 for people over 70 up to the age of 99.
• This fixed plan from INF provides full pre existing condition coverage which includes doctor appointments, blood tests, specialty care, urgent care visits and hospital stays.
• For age 70 to 99 years for policy maximum $100,000 covers pre-existing condition maximum of $15,000/$25,000 with deductible $1,000/$5,000.

Confused whether to buy trip, travel or global health insurance? Understand the differences!

New US Immigrant health insurance

The Trump administration had introduced rules making it mandatory for prospective new US immigrants to show proof of adequate US health insurance while applying for the immigrant visa. The aim of this mandatory US health insurance for immigrants is to reduce the burden on the US hospitals, the overall US health care system and finally on US tax payers by uninsured new immigrants.

At American Visitor insurance we offer immigrant health insurance plans which work well for prospective new US immigrants. After buying this immigrant medical insurance, customers will immediately receive the health insurance policy document by email. Customers can use this immigrant insurance document as proof of US health insurance while applying for the Immigrant visa. Given this rule as well as the very high cost of healthcare in the US, it is strongly recommended to buy medical insurance for new US immigrants.

New US immigrant insurance blogs

Us immigrant health insurance plans.

Compare popular US immigrant plans suitable for immigrants regardless whether permanently in the US or traveling out or waiting for Green Cards

Difference between visitors and immigrant Insurance

Find out the difference between US visitors insurance and new immigrant insurance. Compare and buy the best immigrant insurance for USA!

US Health insurance mandatory for new US immigrants

The US government has made it compulsory for new immigrants coming to the US to have proper US immigrant health insurance coverage.

Insurance for Hong Kong students in the United States

There are about 7500 students from Hong Kong currently studying in the United States. Most of the students from Hong Kong are in Undergraduate programs while about 15% are Graduate student and another 12% in the Optional Practical Training (OPT) status. Given the expensive healthcare system in the US it is important for Hong Kong students to buy adequate student medical insurance in the United States.

While most Universities offer student medical insurance, the college student insurance is expensive, and students would prefer outside student insurance if the university allows it. The international student insurance plans that we provide are more affordable than college student insurance plans while having similar benefits. Our OPT student insurance plans are also very popular with Hong Kong students on the Optional Practical Training (OPT) status

Popular outbound destination among Hong Kong travelers

Hong Kong travel insurance for USA

Hong Kong travel insurance for Singapore

Hong Kong travel insurance for Canada

South Koreans travel insurance for Australia

Hong Kong travel insurance for Philippines

Hong Kong travel insurance for China

Schengen visa insurance for hongkong residents visiting europe.

The European consulates that are part of the Schengen treaty (Spain, France, Italy, Germany, ....) insist on adequate travel medical insurance for Hong Kong nationals who are visiting any of the Schengen countries. Nationalities who require Schengen visa.

Schengen visa insurance requirements

• Medical coverage of at least 30,000 Euros travel insurance for schengen coverage (about $50,000 USD)
• A repatriation benefit.
• An emergency medical evacuation benefit.

Travel tips for international travelers – safety, comfort and wellness.

Hong Kong travel insurance to the USA, buy HK travel insurance online USA

While traveling to the United States is largely hassle free with many connecting flights by Cathay Pacific to different US cities, Hong Kong travelers should be aware of the high cost of healthcare in the US . Being forced to visit an US healthcare facility without any travel medical insurance can be financially crippling. It is therefore important to buy good US visitor insurance for Hong Kong travelers. On our website you can compare travel insurance Hong Kong plans from different insurance providers to find the policy that is most appropriate to your specific needs.

There are a large number of travelers from Hong Kong to the United States and vice versa. Even though a lot of this travel is centered around business, there are also leisure travelers as well as international students.

Senior citizens

A fall/illness could become more serious for the older traveler. Be sure you have good coverage.

Pre-existing coverage

Find insurance plans providing comprehensive coverage for pre-existing conditions/ailments.

Student insurance

International students studying overseas

Travel health insurance to cover travelers from Hong Kong in Australia.

Different types of US Visitors insurance

Fixed benefit travel insurance.

A fixed benefit travel insurance plan is the cheapest travel insurance plan option. Fixed benefit travel insurance is cheap because it has a fixed limit of coverage for different medical benefits.

Fixed benefit travel insurance plans work well in case of small ailments but can be inadequate in the event of a serious medical ailment or hospitalisation.

Comprehensive travel insurance

Comprehensive travel insurance plans provide exhaustive coverage for health expenses up to the policy medical maximum amount. In contrast to fixed benefit plans there are no limits for each benefit. Comprehensive insurance is more expensive when compared to fixed benefit plans but provides significantly better coverage in case of a medical emergency or hospitalisation.

US travel insurance for Hong Kong tourists - FAQ's

01.  does hong kong travel insurance cover covid19 illness.

There are some USA Covid travel insurance plans available for travel to Hong Kong that cover Covid19 as a new illness. International travelers can compare best Covid travel insurance plans and buy it online. These US covid travel insurance plans are available for visitors from Hong Kong to the US, US citizens and US residents traveling abroad as well as non US travelers traveling outside their home country.

02.  Why is travel insurance for USA so expensive?

There is no denying that travel insurance to USA is unfortunately very expensive. The main reason for this is simply because the cost of healthcare in the USA is very expensive and the travel insurance USA costs are directly related to the healthcare costs. One more factor for some USA travel insurance plans to be very expensive is that there are specially designed travel insurance for USA plans available for older travelers, with higher medical coverage as well as some plans with coverage for pre-existing ailments.

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Travel insurance from usa to hong kong faq.

FAQs about travel insurance for Hong Kong.

Travel Insurance USA to Hong Kong Blog

Blog about travel health insurance Hong Kong.

Travel Insurance to Hong Kong from USA Forum

Customer Queries for USA travelers to Hong Kong.

Travel Insurance USA Claims

Claims about the travel insurance to Hong Kong.

Find the best US visitor insurance coverage - Blogs and Articles

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Fixed benefit or scheduled benefit plans are the most affordable international travel insurance plans.

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Buy cheap travel insurance

There are many cheap international insurance plans also known as visitor insurance plans.

Coinsurance & Deductible - How visitor travel insurance works.

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Compare Visitors insurance USA

USA New immigrant Insurance

US visa health insurance

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J1 Visa health insurance

International student Insurance

Green Card medical insurance

International Medical Insurance

Cruises Travel Insurance

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