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Note the maximum coverage period for each trip
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[Annual Travel Insurance Comparison] Which annual plan has the highest rating?
Many Hong Kong people love to travel the world. If a traveller flies frequently, is it best value to buy annual travel insurance? Which product has the highest rating? When is the best time to buy, and what restrictions should one watch out for?
In this article, 10Life analyses several annual travel insurance plans with higher ratings on the market. Their coverage is broadly similar to that of single-trip travel insurance plans, with the main differences being the period of cover and the premium.
Table 1: Annual Travel Insurance vs Single-Trip Travel Insurance
| Single-trip travel insurance | Annual travel insurance | |
| Coverage period | Depends on the number of insured days and destination | 12 months |
| Number of trips covered | Single trip | Generally unlimited |
| Premium | Generally ranges from HK$100 to HK$500* | Typically around HK$2,000 |
| *Assuming the insured person is an adult, with a 5-day trip to Japan | ||
Note the maximum coverage period for each trip
Many people in Hong Kong love to travel and may fly several times a year. If you have to buy travel insurance for every trip, that can be rather inconvenient. With annual travel insurance, you only need to take out a policy once, and you will be covered for all your travels throughout the year. However, before buying cover, consumers should consider not only convenience but also the coverage period in order to choose the right travel insurance.
If a single trip is relatively long, for example visiting relatives in Europe or the US for nearly six months before returning to Hong Kong, a single-trip plan may be more suitable, as the coverage period is generally up to 180 days.
If you take multiple trips in a year, for example frequent journeys to Europe or the US for family visits several times a year, an annual travel plan may be more suitable. The maximum coverage period for annual plans is generally 90 days.
Aside from the coverage period, which annual travel insurance is better?
Table 2: Annual Travel Insurance Plan Premium Comparison (HKD)
| Annual Travel Insurance Plans | Premium | Rating | Maximum Insurable Age |
| MSIG iTravel Go（全年旅程） 計劃 A |
$1,579 Get 35% off when purchasing designated plans online via 10Life |
9.5 | 75 |
| QBE 昆士蘭保險 隨心遊旅遊保險 鑽計劃 |
$3,155 Get 30% off when purchasing designated plans online via 10Life |
9.0 | 80 |
| Blue Cross 藍十字 旅遊寶 - 環球 藍鑽石計劃 |
$1,698 Get 30% off when purchasing designated plans online via 10Life |
8.9 | 70 |
| BOC 中銀 環宇遨翔旅遊保障計劃 鑽石計劃 |
$1,784 Get 30% off when purchasing designated plans online via 10Life |
8.8 | 80 |
| Generali 忠意保險 忠意旅遊保（全年計劃） - 尊貴計劃 |
$2,461 Get 35% off when purchasing designated plans online via 10Life |
8.6 | 72 |
| Starr 「卓悅遊」旅遊保險（全年計劃） - 尊貴 |
$1,365 Get 35% off when purchasing designated plans online via 10Life |
8.5 | 70 (renewable up to 75) |
| 中國太平保險 太平旅遊寶（全年保障） - 尊貴計劃 |
$1,506 Get 20% off when purchasing designated plans online via 10Life |
8.4 | 70 |
| Notes: 1. Assumes the insured is an 18-year-old adult, with a 5-day trip to Japan 2. Assumes the insured is an 18-year-old adult, with a 10-day trip to the United Kingdom 3. Comparison of single-trip plans from the same insurer 4. Insured region is Asia 5. Insured region is Worldwide 6. Ranked by product rating (high to low) 7. Product information last updated on: 15 July 2026 |
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According to Table 2, the overall score for annual travel insurance is made up of four major categories: medical and emergency assistance, personal belongings, trip disruption and personal accident.
Taking Japan, a popular destination for Hong Kong travellers, as an example (a 5-day trip to Japan, i.e. a short-haul trip), some annual travel insurance plans would pay for themselves after a few trips in a year (for example, 6 to 10 trips), making them better value than buying single-trip travel insurance each time. Therefore, unless you travel very frequently each year, or need to visit relatives or travel overseas for business regularly, single-trip travel insurance is generally more cost-effective. Of course, the actual situation also depends on how often the insured person travels, and whether the trips are long-haul or short-haul. If you can forecast your travel plans for the coming year in advance, you can compare annual and single-trip travel insurance to see which is more suitable to purchase.
This English version of this article has been generated by machine translation powered by AI. It is provided solely for reference purposes. In the event of any discrepancy or inconsistency between this translation and the original Chinese version, the Chinese version shall prevail.
10Life Editorial Team
Our team of professional content researchers focussing on insurance
10Life Editorial Team
Our team of professional content researchers focussing on insurance
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10Life Product Comparison and 10Life Insurance Ratings are developed by 10Life Financial Limited, an authorised insurance broker company licensed with the Insurance Authority under License Number FB1526. 10Life Product Comparison and 10Life Insurance Ratings are developed for generic customer segments using mathematical calculations based on product information, facts and data, and are not influenced by any partnerships with or fees received from insurance companies. Any information on 10Life Platform ("10Life Information"), including but not limited to Product Comparison, Product Ratings, Blog Articles are intended for general education purpose and reference only. None of the 10Life Information is intended, nor should they be considered or relied upon, as regulated advice, insurance, financial, investment or professional advice, recommendation, approval, endorsement, invitation or solicitation in respect of any insurance, financial or investment products. 10Life Information does not take into account your individual needs. Reading 10Life Information should not be considered as conducting a suitability assessment, and is not sufficient to form the basis of any decisions to purchase any insurance products. You should rely on information authorised by insurance companies, carry out your own research and/or seek independent advice from licensed intermediaries before purchasing any insurance products or making any insurance decisions. While reasonable effort is used when collecting, validating and updating 10Life Information from various channels, none of 10Life Group and its subsidiaries, affiliates, agents, directors, officers and employees will be responsible for any liability, claim or loss arising from or associated with you using 10Life Information. No warranty, representation or guarantee is given by 10Life Group and its subsidiaries on the accuracy, completeness and timeliness of the information. If you have any questions on 10Life Product Comparison and 10Life Insurance Ratings, please email us at enquiries@10life.com
