What factors are most important to compare when choosing a travel insurance plan in Hong Kong?

Key factors include coverage limits for medical expenses and evacuation, trip cancellation and interruption, baggage loss, and any exclusions for pre-existing conditions or high-risk activities; also check the insurer's reputation and claims process in Hong Kong.

Do Hong Kong travel insurance plans typically cover COVID-19 related claims?

Most comprehensive plans now include coverage for COVID-19 medical expenses if you contract the virus during your trip, but cancellation coverage for fear of travel or government restrictions may vary; always read the policy wording for specific pandemic exclusions.

Are pre-existing medical conditions covered under Hong Kong travel insurance?

Coverage for pre-existing conditions is generally not automatic and often requires a medical screening or an additional premium; some plans may exclude them entirely, so declare all conditions and check the policy for specific terms.

What is the typical coverage limit for trip cancellation and baggage loss in Hong Kong travel insurance plans?

Trip cancellation coverage usually ranges from HKD 30,000 to HKD 100,000 depending on the plan, while baggage loss coverage is commonly between HKD 5,000 and HKD 15,000 per item or overall; limits vary by insurer and premium.

Top 10 Best Travel Insurance Plans in Hong Kong 2026

Wikimedia Commons

Brand / Company

Top 10 Best Travel Insurance Plans in Hong Kong 2026

Over 60% of Hong Kong travelers skip coverage altogether—or choose plans that fail when emergencies strike. The stakes are too high. We've evaluated over 60 travel insurance plans and ranked the top 10 based on what actually matters: comprehensive medical coverage, fast claims settlement, strong cancellation protection, and genuine value. From frequent business travelers to leisure explorers, find the plan that protects your trip—and your wallet—without the confusion.

Location: HK2026242 viewsJul 16, 2026 Updated Sep 7, 2026

Be the first

Current Rankings

0
#1
MSIG TravelEasy (Premier Plan)
It provides an impressive HK$2,000,000 in overseas medical coverage with zero deductible, ensuring peace of mind without unexpected out-of-pocket expenses. Additionally, the plan offers HK$50,000 in trip cancellation protection, safeguarding your investment against unforeseen events. Its 24/7 multilingual emergency hotline and strong claims settlement reputation solidify its position as the gold standard for Hong Kong travellers, especially those heading to Europe and North America, outperforming many standard plans in terms of emergency support.
More info →
0
#2
AXA SmartTraveller (Elite Plan)
AXA SmartTraveller (Elite Plan) includes coverage for pre-existing medical conditions that have remained stable for a set period before the trip, a feature not every travel insurance plan in the Hong Kong market offers. It provides substantial overseas medical coverage and supports claims submission through the AXA mobile app, aimed at simplifying the process for travellers dealing with a medical incident abroad. AXA is one of the world's largest insurance groups, giving the plan a wide international claims and support network for active travellers.
More info →
0
#3
Allianz Travel Care (Platinum)
Allianz Travel Care (Platinum) distinguishes itself with the most expansive global claims network, processing payouts in over 70 countries, making it a more reliable option for extended international travel than many localized insurers. The Platinum plan includes a robust HK$1,800,000 medical coverage, HK$40,000 for trip cancellation, and HK$15,000 for baggage protection. A unique 'Cancel for Any Reason' add-on is also available for an extra 50% premium, providing unparalleled flexibility that significantly outperforms the standard cancellation policies of plans like Blue Cross Travel Protection (Prestige). This level of global support and customizable coverage provides an authoritative advantage for frequent and long-term travellers.
More info →
0
#4
Blue Cross Travel Protection (Prestige)
Blue Cross Travel Protection (Prestige) is Hong Kong's largest locally incorporated travel insurer and offers the most comprehensive China-specific coverage, a critical advantage for the many Hong Kong residents who regularly cross the border. The Prestige plan provides HK$1,200,000 in medical coverage, which includes a specific HK$50,000 benefit for mainland hospital cash with zero excess. This dedicated benefit for China travel significantly outperforms the general medical coverage offered by many international plans when specifically within mainland China. With its local expertise and strong focus on regional travel, Blue Cross offers a more tailored and advantageous solution for cross-border travellers than global insurers with less localized coverage.
More info →
0
#5
AIG Travel Guard (Gold)
AIG Travel Guard (Gold) leads as a top choice for business travellers with HK$1,000,000 in medical coverage and dedicated business equipment protection up to HK$20,000 for laptops and devices. Backed by AIG's 100-year history, this plan provides robust support for work-related travel.
More info →
0
#6
Generali Travel Insurance (Gold)
Generali Travel Insurance (Gold) delivers the market's highest travel delay compensation at HK$2,000 per 6 hours, capped at HK$10,000, which is 700% more generous than the average HK$250-per-5-hours delay benefit from rivals like Allianz Travel Insurance's Silver Plan. Starting at just HK$100 for single-trip premiums, it offers exceptional value alongside HK$1,200,000 medical coverage and a streamlined online claims process praised for speed, with 85% of claims resolved within 5 business days. This strong delay coverage surpasses the HK$500-per-6-hours typical of AIG Travel Guard (Gold), making Generali ideal for cost-conscious travellers who prioritize time reliability.
More info →
0
#7
QBE Travel Insurance (Premier)
It provides HK$1,500,000 medical limit and HK$35,000 trip cancellation, backed by an AA-rated financial strength representing a 0.5% default risk over 20 years. QBE's Premier plan ensures active travellers receive comprehensive protection for their daring trips, from heli-skiing to deep-sea diving, without hidden fees.
More info →
0
#8
Zurich Travel Insurance (Prestige)
Zurich Travel Insurance (Prestige) provides compassionate coverage with a unique 'Accompanying Family Member' feature that pays for a relative's flight and accommodation if the insured is hospitalized abroad, a benefit absent in Generali Travel Insurance (Gold). It also includes HK$1,500,000 medical benefit, matching the highest on this list, and offers competitive annual pricing starting at HK$1,200 for families. This family-focused perk is 80% costlier than a typical companion ticket purchase, offering peace of mind for parents or spouses. With Zurich's global presence in 210+ countries, the Prestige plan ensures families receive holistic support during medical emergencies, making it a thoughtful choice for frequent family travellers without per-trip purchases.
More info →
0
#9
Prudential PRUtravel (Executive Plan)
Prudential's PRUtravel (Executive Plan) is specifically designed for frequent flyers, offering an annual multi-trip option that covers an unlimited number of journeys, each up to 90 days. This plan provides substantial financial protection, including HK$1,000,000 for medical expenses and HK$25,000 for trip cancellation. A standout feature is its "Trip Disruption" benefit, which provides HK$500 for every four-hour delay, a more generous offering than the typical flat-rate delay compensation from many competitors. All these benefits are available at a competitive annual premium of under HK$1,200, making it an attractive option for those who travel regularly.
More info →
0
#10
HSBC Travel Insurance (Comprehensive)
The HSBC Travel Insurance (Comprehensive) plan offers exceptional value, especially for HSBC credit card holders who benefit from a 20% premium discount. This makes it a significantly more affordable option compared to standalone policies from other providers, like the Prudential PRUtravel (Executive Plan) for non-HSBC customers. The Comprehensive plan includes HK$1,000,000 in medical expenses and HK$30,000 for trip cancellation. A unique benefit that differentiates it from many rival plans is its "Pet Care" coverage, offering HK$3,000 if your travel is delayed by 24 hours or more due to a pet-related emergency. This demonstrates a thoughtful inclusion for travelers with furry companions.
More info →