AIA TravelSafe 香港 AIA HK
HK$300 /年
- 封面類型: 單次/年度
- 醫療保險: 最高可達500萬港元
- 地區: 全世界
- 主要特點: 旅行取消險
Compare Travel Insurance in Hong Kong
Compare the top travel insurance providers in Hong Kong — see cover, features and typical rates side by side.
Live offers
17 live offers compared from 16 providers, from HK$300 /年. Updated daily.
AIG 旅行衛士香港 AIG Hong Kong
HK$300 /年
- 封面類型: 單次/年度
- 醫療保險: 最高可達500萬港元
- 地區: 全世界
- 主要特點: 醫療救援保險
丘博旅遊保險（香港） Chubb Insurance HK
HK$300 /年
- 封面類型: 單次/年度
- 醫療保險: 最高可達500萬港元
- 地區: 全世界
- 主要特點: 冒險運動涵蓋
匯豐人壽保險（香港） HSBC Life HK
HK$300 /年
- 封面類型: 單次/年度
- 醫療保險: 最高可達300萬港元
- 地區: 全世界
- 主要特點: 匯豐卓越理財福利
宏利旅程保險（香港） Manulife HK
HK$300 /年
- 封面類型: 單次/年度
- 醫療保險: 最高可達300萬港元
- 地區: 全世界
- 主要特點: 運動與冒險類
香港保誠旅行社 Prudential HK
HK$300 /年
- 封面類型: 單次/年度
- 醫療保險: 最高可達300萬港元
- 地區: 全世界
- 主要特點: 現有附加險
QBE香港旅遊保險 QBE Insurance HK
HK$300 /年
- 封面類型: 單次/年度
- 醫療保險: 最高可達300萬港元
- 地區: 全世界
- 主要特點: 經濟實惠的旅遊保險
香港永明人壽保險 Sun Life HK
HK$300 /年
- 封面類型: 單次/年度
- 醫療保險: 最高可達200萬港元
- 地區: 全世界
- 主要特點: 家庭計劃選項
香港藍途護理 Blue Insurance HK
HK$300 /年
- 封面類型: 單程
- 醫療保險: 最高可達100萬港元
- 地區: 亞洲/全球
- 主要特點: 數位優先的保險公司
MSIG TravelEasy 香港 MSIG HK
HK$300 /年
- 封面類型: 單次/年度
- 醫療保險: 最高可達300萬港元
- 地區: 全世界
- 主要特點: 可靠的旅遊保險
ZA旅遊保險（香港） ZA Bank
HK$300 /年
- 封面類型: 單程
- 醫療保險: 最高可達200萬港元
- 地區: 全世界
- 主要特點: 基於應用程式的政策
AIG TravelSmart 香港 AIG Hong Kong
HK$300 /年
- 封面類型: 單次旅行和年票
- 醫療保險: 最高可達150萬港幣的緊急醫療費用
- 地區: 全世界
- 主要特點: AIG－美國品牌；強大的旅遊取消保障；24/7 全天候緊急救援服務
AXA SmartTraveller HK AXA Hong Kong
HK$300 /年
- 封面類型: 單次旅行和年票
- 醫療保險: 最高可達150萬港幣的緊急醫療費用
- 地區: 全世界
- 主要特點: 安盛－全球品牌；提供慷慨的行李和延誤保障
富衛保險香港 FWD Hong Kong
HK$300 /年
- 封面類型: 單次旅行和年票
- 醫療保險: 最高可達200萬港元的緊急醫療費用
- 地區: 全世界
- 主要特點: FWD－數位保險公司；准入門檻低；理賠快速應用程式
匯豐銀行香港旅遊保障計劃 HSBC Hong Kong
HK$300 /年
- 封面類型: 單次旅行和年票
- 醫療保險: 最高可達150萬港幣的緊急醫療費用
- 地區: 全世界
- 主要特點: 匯豐銀行－香港金融機構；與匯豐帳戶捆綁銷售可享折扣
蘇黎世香港旅遊保險 Zurich Hong Kong
HK$300 /年
- 封面類型: 單次旅行和年票
- 醫療保險: 最高可達200萬港元的緊急醫療費用
- 主要特點: 全世界
- 地區: 蘇黎世－瑞士總部；最高醫療標準；全球網絡
信諾環球健康旅行香港 Cigna HK
HK$300 /年
- 封面類型: 年度的
- 醫療保險: 最高可達500萬港元
- 地區: 全世界
- 主要特點: 健康旅遊組合
What is Travel Insurance in Hong Kong?
Travel insurance covers the financial risks of a trip: medical emergencies abroad, trip cancellation, delays, lost baggage and personal liability. Hong Kong residents travel frequently for business and leisure, and private overseas medical care can be very costly, so cover is widely bought as single-trip or annual multi-trip policies. Plans are sold by general insurers, banks and online, often with instant purchase and options for cruises, sports and mainland trips.
How the Hong Kong market works
General insurers dominate: AIG Hong Kong, AXA Hong Kong, FWD Hong Kong, Zurich Hong Kong, AIA HK and Chubb Insurance HK offer single-trip and annual plans, while banks such as HSBC (via HSBC Life HK) and Manulife HK distribute cover to customers. Premium credit cards often include complimentary travel insurance when the fare is charged to the card. Cover tiers range from basic to comprehensive with high medical and cancellation limits.
Benefits
Overseas medical — pays for emergency treatment and hospitalisation abroad, often the most valuable cover.
Trip cancellation — reimburses prepaid costs if you must cancel for a covered reason.
Baggage and delay — covers lost, delayed or damaged luggage and compensates long delays.
Emergency assistance — 24-hour helplines arrange evacuation and support during a crisis.
Personal liability — covers legal costs and compensation if you accidentally injure someone or damage property abroad.
How to choose
Match cover to the trip: annual multi-trip for frequent travellers, single-trip for one-offs. Compare the medical and evacuation limits (the key figures), cancellation cover, baggage and gadget limits, and add-ons for adventure sports, cruises or pre-existing conditions. Check exclusions, the excess, and whether a credit-card complimentary policy already gives adequate cover before buying a standalone plan.
Leading providers in Hong Kong
AIG Hong Kong, AXA Hong Kong, Zurich Hong Kong, FWD Hong Kong and Chubb Insurance HK are leading travel insurers with comprehensive single-trip and annual plans; AIA HK, HSBC Life HK and Manulife HK distribute cover through banking and insurance channels. Because medical limits and exclusions differ significantly, compare the policy schedule rather than choosing on price alone.
What it costs
A comprehensive single-trip policy for a typical overseas holiday costs in the region of HK$300, varying with destination, trip length, age, cover level and add-ons. Annual multi-trip plans cost more upfront but pay off for frequent travellers. Higher medical limits, adventure-sports cover and pre-existing-condition options raise the premium, while credit-card complimentary cover can reduce or remove the need for a separate policy.
Protections and regulation
Travel insurers are authorised and supervised by the Insurance Authority (IA), which regulates conduct, solvency and intermediaries. Claim disputes can be escalated to the Insurance Complaints Bureau. The IA requires clear policy disclosure; always read the exclusions, especially for pre-existing conditions, high-risk activities and government travel advisories, and disclose relevant health information accurately when buying.
Common questions
Do I need it if my card includes cover? — Check the card policy limits; complimentary cover is often basic and may need topping up.
Are pre-existing conditions covered? — Usually excluded unless declared and specifically covered by an add-on.
Single-trip or annual? — Annual multi-trip is cheaper overall if you take several trips a year.
Does it cover the mainland and Macau? — Most plans do, but confirm short-haul and cross-border trips are included before you travel.
What is the most important limit? — The overseas medical and emergency-evacuation limit, since these bills can be the largest by far.
The cheapest Travel Insurance in Hong Kong is HK$300 /year from AIA HK.
Travel Insurance in Hong Kong — FAQ
What is the cheapest travel insurance in Hong Kong?
Giraffy tracks 5 travel insurance products across AIA HK,AIG Hong Kong,Chubb Insurance HK,HSBC Life HK,Manulife HK insurers in Hong Kong. The lowest tracked price is HK$300 /year. Compare by cover level and excess, not just price — a very cheap policy may have low medical cover limits or high excesses that leave you underinsured.
What should travel insurance cover as a minimum?
At minimum, look for: emergency medical treatment and repatriation (at least £5–10 million), trip cancellation and curtailment, baggage and personal effects, personal liability, and passport/travel document cover. Travel to the US requires especially high medical limits due to healthcare costs.
Is annual multi-trip travel insurance worth it?
If you take three or more trips per year, annual multi-trip insurance is almost always cheaper than buying single-trip policies. The annual policy covers an unlimited number of trips up to a maximum trip duration (typically 31–90 days). Check that all your planned destinations and activities are included.
Does travel insurance cover pre-existing medical conditions?
Standard policies often exclude pre-existing conditions or charge an additional premium to include them. Always declare medical conditions when applying — failure to disclose can invalidate your claim. Specialist providers offer cover for conditions like diabetes, heart disease, and cancer, though premiums will be higher.
Is adventure sports or extreme activities covered?
Most standard policies exclude or limit adventure sports — skiing, snowboarding, scuba diving, and other higher-risk activities require specialist cover or add-ons. If you're planning active travel, check the policy's activity list or take out a specialist policy that explicitly includes your planned activities.
What is the excess on a travel insurance policy and how does it work?
The excess is the amount you pay towards each claim before the insurer pays the balance. Higher excess = lower premium. Choose an excess you can comfortably afford — if your excess is £200 and your lost luggage claim is £150, you'll receive nothing. Check whether the excess applies per claim or per incident.