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Travel Insurance Quick Guide
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Travel Insurance Quick Guide

What is Travel Insurance?
Medical and Accident Coverage
Smart Electronic Devices Coverage
Extreme Activities (e.g. Diving) Coverage
Travel Delay Coverage
Rental Vehicle Excess Coverage

Travel insurance provides multiple benefits that enable travellers to journey with peace of mind, including coverage for medical expenses, personal accidents, emergency assistance, personal property, travel delays, trip curtailment, trip cancellations, and other unforeseen events.

Travel Insurance Glossary

Medical Coverage

Coverage for medical expenses incurred due to accident or illness during the trip, including local medical treatment and follow-up medical expenses upon returning to Hong Kong.
醫療與緊急援助評分

Travel Delay Coverage

Compensation for the delay of scheduled transportation due to specified events such as severe weather or civil unrest, subject to a minimum specified time duration (e.g. 6 hours).
旅程受阻評分

Personal Property Coverage

Reimbursement for the loss of or damage to personal belongings, as well as loss of money and travel documents during the trip.
個人財物評分
Who needs Travel Insurance?
熱愛外遊的人士
Travel Enthusiasts
Purchase travel insurance before departure to cover unexpected expenses due to unforeseen circumstances, so you can enjoy peace of mind during your trip.
打算於海外潛水、滑雪
Diving or Skiing Travellers
While diving and skiing are popular travel activities, they come with inherent risks. Fortunately, many travel insurance policies offer coverage for these activities as long as they are amateur in nature.
想保障個人財物
Travellers with Public Safety Concerns
In many destinations, poor public safety is a concern that can lead to thefts and other crimes. Travel insurance can provide coverage for the loss or damage of personal belongings, such as cell phones, laptops, and cameras, due to robbery or accidents during your trip.
Frequently Ask Questions
Single Trip Travel Insurance vs Annual Travel Insurance

Single-trip travel insurance covers only one round trip, while annual travel insurance covers multiple trips within a 12-month period. Travellers should consider their estimated travel frequency in the coming year when choosing a suitable plan.

What is a family plan?

Some travel insurance products offer a "family plan" option, which allows children travelling with their parents to be insured for free or at a reduced cost. When comparing travel insurance it's important to check for such options to ensure the most cost-effective coverage for the entire family.

Does age affect coverage?

Many seniors enjoy travelling, but note that some travel insurance may reduce the maximum coverage for certain items (e.g. medical, personal accident) for those over a certain age (e.g. 70). It's important to review the policy to understand any age-related limitations or exclusions that may apply.

What is emergency assistance?

Emergency Assistance includes services such as emergency evacuation, repatriation, compassionate visits, and the return of unattended children. These services are usually arranged by a service provider designated by the insurance company.

What coverage does travel insurance offer for car rentals?

When renting a car abroad, the rental company typically includes insurance with an excess. Travel insurance can cover the excess that you would have been liable for in the event of an accident, damage, or theft of the rental vehicle during the rental period. 

Which is the best insurance company for Travel Insurance?

10Life rates the travel insurance products based on the coverage and terms in 4 major areas, including medical and emergency assistance, personal accident, personal property, and trip inconvenience.

Cross_Selling_Banner_Best_Insurer
Cross_Selling_Banner_Best_Insurer
Which is the best insurance company for Travel Insurance?

10Life rates the travel insurance products based on the coverage and terms in 4 major areas, including medical and emergency assistance, personal accident, personal property, and trip inconvenience.

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