【Selected Travel Insurance Under $200】 Which travel insurance offers low premiums and high coverage? Pay attention to the detailed coverage!

When purchasing travel insurance, the scope of coverage is a crucial factor to consider, ensuring that the insured is comprehensively protected during their journey. However, for travellers with limited budgets or those who are more cost-conscious, the premium is another important consideration. Therefore, when buying travel insurance products, it is worth evaluating both the premium and the coverage. To assist everyone in finding suitable travel insurance, 10Life has selected travel insurance products available in the market with a 10Life Travel Insurance Rating of 7 or above and premiums below HKD 200, and compared their specific coverage details.

Selecting Travel Insurance: Consider Coverage and Premiums in One Go

The travel insurance ratings for the above 6 products are all above 7 points. This rating standard is established by 10Life actuaries, taking into account four major coverage areas of travel insurance, thereby helping the public identify high-coverage single-trip travel insurance based on scores:
-    Medical and Emergency Assistance
-    Trip Disruption
-    Personal Belongings
-    Personal Accident

For a detailed understanding of the rating calculation method, you can refer to “10Life Travel Insurance Rating Methodology”.

The overall rating of travel insurance can generally reflect the coverage of the product, but different travellers have varying needs for coverage. For instance, some policyholders may prioritise medical coverage, while others may be more concerned about protection for personal belongings. Therefore, policyholders should select a travel insurance product that best suits their individual needs.

Table 2 compares the individual coverage ratings of 6 travel products. It is evident that even if the premiums of the products are similar, the performance of individual coverage items can vary significantly. To help everyone understand the differences in the individual coverage scope of the products, we have selected 2 specific items for in-depth discussion.

As evident from the above, when purchasing travel insurance products, besides considering the coverage scope and premium costs, policyholders should also take into account their personal needs, pay attention to specific coverage items of the product, and make thorough comparisons. This article only provides a general comparison of travel insurance products on the market with a 10Life travel insurance rating above 7 and premiums below HKD 200. For a more comprehensive comparison of travel insurance products, you may refer to: 〈【Which Travel Insurance is the Best】Comparison of Over 60 Travel Insurance Prices and Coverage! With Rating Recommendations | 10Life 〉. 

To learn about and compare more travel insurance products, click now to compare over 60 travel insurance products on the market, with detailed premiums and coverage at a glance, along with exclusive actuary ratings.

Further Reading

• 【Travel Insurance Mobile/Phone/Computer/Camera Coverage】Comparison of Personal Property Coverage in 15 Popular Travel Insurance Plans 
• 【Which Travel Insurance is the Best】Comparison of Over 60 Travel Insurance Prices and Coverage! With Rating Recommendations | 10Life
• 【Travel Insurance Family Plan】Is a Family Travel Insurance Plan the Most Cost-Effective for the Whole Family? Are There Differences in Coverage?
• 【Travel Insurance】Comparison of Trip Delay Coverage in 15 Products Highest Compensation for Flight Delays up to $5,000? 

Note:
1. The above premium information is updated as of 27 November 2025 and does not include the premium levy collected by the Insurance Authority.  
2. This article was last updated on 27 November 2025. 

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.