Top 10 Best Travel Insurance Plans in Hong Kong 2026

AXA's top-tier plan covers up to HK$1,500,000 in medical expenses with coverage for pre-existing conditions that have been stable for 12 months — a rare feature in the HK market. Adventure sports coverage, a HK$30,000 gadget protection limit, and same-day claim processing via the AXA app make this the top pick for active travellers.

Allianz's global claims network processes payouts in over 70 countries, making it the most reliable option for extended international travel. The Platinum plan includes up to HK$1,800,000 medical coverage, HK$40,000 trip cancellation, HK$15,000 baggage protection, and a unique "Cancel for Any Reason" add-on available for an extra 50% premium.

Blue Cross is Hong Kong's largest locally incorporated travel insurer and offers the most comprehensive China-specific coverage — critical for the many HK residents crossing the border regularly. The Prestige plan provides HK$1,200,000 in medical coverage with a specific HK$50,000 benefit for mainland hospital cash and zero excess.

AIG's Gold plan is the top choice for business travellers, offering HK$1,000,000 in medical coverage alongside dedicated business equipment protection (HK$20,000 for laptops and devices), trip interruption coverage worth up to 150% of the trip cost, and access to AIG's worldwide network of over 3,000 medical service providers.

The Italian insurer's Gold plan excels at travel delay coverage, offering HK$2,000 per 6 hours of delay up to HK$10,000 — the most generous delay benefit in the HK market. With HK$1,200,000 in medical coverage, competitive single-trip premiums from as low as HK$100, and strong online claims submission, it offers excellent value.

QBE's Premier plan stands out for its sports and activities coverage, protecting over 100 leisure activities including skiing, scuba diving, and trekking up to 4,000m altitude at no extra premium. The HK$1,500,000 medical limit, HK$35,000 trip cancellation cover, and AA-rated financial strength make it popular with adventurous HK travellers.

Zurich's Prestige plan offers HK$1,500,000 in medical coverage with a distinctive "Accompanying Family Member" benefit — if the insured is hospitalised abroad, Zurich pays for a family member's flight and accommodation to be at their side. This unique feature and competitive annual plan pricing make it ideal for families.

Prudential's Executive plan targets frequent flyers with an annual multi-trip option covering unlimited trips of up to 90 days each. Coverage includes HK$1,000,000 medical expenses, HK$25,000 trip cancellation, and an innovative "Trip Disruption" benefit of HK$500 per 4-hour delay — all at a competitive annual premium under HK$1,200.

HSBC's travel insurance stands out for HSBC credit card holders who receive a 20% premium discount, making it the best value option for existing HSBC customers. The Comprehensive plan covers HK$1,000,000 in medical expenses, HK$30,000 trip cancellation, and includes a unique "Pet Care" benefit of HK$3,000 if travel is delayed by 24+ hours.

AXA's top-tier plan covers up to HK$1,500,000 in medical expenses with coverage for pre-existing conditions that have been stable for 12 months — a rare feature in the HK market. Adventure sports coverage, a HK$30,000 gadget protection limit, and same-day claim processing via the AXA app make this the top pick for active travellers.

Allianz's global claims network processes payouts in over 70 countries, making it the most reliable option for extended international travel. The Platinum plan includes up to HK$1,800,000 medical coverage, HK$40,000 trip cancellation, HK$15,000 baggage protection, and a unique "Cancel for Any Reason" add-on available for an extra 50% premium.

Blue Cross is Hong Kong's largest locally incorporated travel insurer and offers the most comprehensive China-specific coverage — critical for the many HK residents crossing the border regularly. The Prestige plan provides HK$1,200,000 in medical coverage with a specific HK$50,000 benefit for mainland hospital cash and zero excess.

AIG's Gold plan is the top choice for business travellers, offering HK$1,000,000 in medical coverage alongside dedicated business equipment protection (HK$20,000 for laptops and devices), trip interruption coverage worth up to 150% of the trip cost, and access to AIG's worldwide network of over 3,000 medical service providers.

The Italian insurer's Gold plan excels at travel delay coverage, offering HK$2,000 per 6 hours of delay up to HK$10,000 — the most generous delay benefit in the HK market. With HK$1,200,000 in medical coverage, competitive single-trip premiums from as low as HK$100, and strong online claims submission, it offers excellent value.

QBE's Premier plan stands out for its sports and activities coverage, protecting over 100 leisure activities including skiing, scuba diving, and trekking up to 4,000m altitude at no extra premium. The HK$1,500,000 medical limit, HK$35,000 trip cancellation cover, and AA-rated financial strength make it popular with adventurous HK travellers.

Zurich's Prestige plan offers HK$1,500,000 in medical coverage with a distinctive "Accompanying Family Member" benefit — if the insured is hospitalised abroad, Zurich pays for a family member's flight and accommodation to be at their side. This unique feature and competitive annual plan pricing make it ideal for families.

Prudential's Executive plan targets frequent flyers with an annual multi-trip option covering unlimited trips of up to 90 days each. Coverage includes HK$1,000,000 medical expenses, HK$25,000 trip cancellation, and an innovative "Trip Disruption" benefit of HK$500 per 4-hour delay — all at a competitive annual premium under HK$1,200.

HSBC's travel insurance stands out for HSBC credit card holders who receive a 20% premium discount, making it the best value option for existing HSBC customers. The Comprehensive plan covers HK$1,000,000 in medical expenses, HK$30,000 trip cancellation, and includes a unique "Pet Care" benefit of HK$3,000 if travel is delayed by 24+ hours.