Compare the Best Travel Insurance Offers for Your Holiday 2025

Travel Insurance Quick Guide
Single Trip
Annual Trip
Japan / 日本
Trip
Product Features Selected 0 feature(s)
Premium for Age 18 to 54
MIN
HKD
MAX
HKD
Distributor
Issue Age
Within Age 65
10Life Score
Any
Single Trip
Annual Trip
Japan / 日本
Trip
Product Features Selected 0 feature(s)
Premium for Age 18 to 54
MIN
HKD
MAX
HKD

Single Trip

Destination (1)

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Product Features

Distributor

Premium for Age 18 to 54 : 0 - 1,500 +

Issue Age : Within Age 65

10Life Score : Any

We found 62 Travel Insurance product(s) matching your selected filters.
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BOCG Insurance | 中銀集團保險

Universal Voyage - Gold Plan (with Enhanced Benefit)

Mobile Phone Protection
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
7.8
/ 10
10Life Score
Medical and Emergency Assistance Score
7.3 / 10
Personal Accident Score​
10 / 10
Trip Inconvenience Score
8.8 / 10
Personal Property Score
6.3 / 10
Premium for Age 18 to 54
277.5
HKD 222.0
Purchase Now
Prudential | 保誠保險

PRUChoice

Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
7.8
/ 10
10Life Score
Medical and Emergency Assistance Score
6.2 / 10
Personal Accident Score​
10 / 10
Trip Inconvenience Score
8.9 / 10
Personal Property Score
7.9 / 10
Premium for Age 18 to 54
HKD 223.0
Purchase Now
QBE | 昆士蘭保險

Single Trip Travel Insurance - Gold Plan

Follow-up Physiotherapy
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
7.8
/ 10
10Life Score
Medical and Emergency Assistance Score
8 / 10
Personal Accident Score​
10 / 10
Trip Inconvenience Score
8.2 / 10
Personal Property Score
6.3 / 10
Premium for Age 18 to 54
HKD 241.0
Purchase Now
Hang Seng | 恒生

Travelsure Protection Plan - Standard Plan

Mobile Phone Protection
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
7.7
/ 10
10Life Score
Medical and Emergency Assistance Score
7.3 / 10
Personal Accident Score​
9.9 / 10
Trip Inconvenience Score
7.3 / 10
Personal Property Score
7.7 / 10
Premium for Age 18 to 54
HKD 170.8
Fubon | 富邦

MyWay Travel Insurance Plan - Plan A

Mobile Phone Protection
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
7.7
/ 10
10Life Score
Medical and Emergency Assistance Score
6.4 / 10
Personal Accident Score​
8.7 / 10
Trip Inconvenience Score
8.3 / 10
Personal Property Score
8.5 / 10
Premium for Age 18 to 54
HKD 224.8
Fubon | 富邦

MyWay Travel Insurance Plan - Plan A (with Extra Sports Equipment Benefits)

Mobile Phone Protection
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
7.7
/ 10
10Life Score
Medical and Emergency Assistance Score
6.4 / 10
Personal Accident Score​
8.7 / 10
Trip Inconvenience Score
8.3 / 10
Personal Property Score
8.5 / 10
Premium for Age 18 to 54
HKD 264.7
MSIG | 三井住友海上火災保險（香港）

iTravel Go (Single Trip) - Plan B

Mobile Phone Protection
Follow-up Physiotherapy
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
7.6
/ 10
10Life Score
Medical and Emergency Assistance Score
8 / 10
Personal Accident Score​
5.5 / 10
Trip Inconvenience Score
8.5 / 10
Personal Property Score
7 / 10
Premium for Age 18 to 54
261.0
HKD 143.6
Purchase Now
Generali | 忠意保險

Bravo Travel Protector - Classic Plan

Mobile Phone Protection
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
7.4
/ 10
10Life Score
Medical and Emergency Assistance Score
8 / 10
Personal Accident Score​
7.9 / 10
Trip Inconvenience Score
5.9 / 10
Personal Property Score
8.2 / 10
Premium for Age 18 to 54
251.0
HKD 175.7
Purchase Now
Allied World | 聯合世界

Journey Guard - Plan II

Mobile Phone Protection
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
7.4
/ 10
10Life Score
Medical and Emergency Assistance Score
7.3 / 10
Personal Accident Score​
9.5 / 10
Trip Inconvenience Score
6.2 / 10
Personal Property Score
8 / 10
Premium for Age 18 to 54
HKD 224.8
BOCG Insurance | 中銀集團保險

Universal Voyage - Gold Plan

Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
7.2
/ 10
10Life Score
Medical and Emergency Assistance Score
7.3 / 10
Personal Accident Score​
10 / 10
Trip Inconvenience Score
8.3 / 10
Personal Property Score
4.8 / 10
Premium for Age 18 to 54
222.0
HKD 177.6
Purchase Now
CMB Wing Lung Bank | 招商永隆銀行

Travel Insurance 2.0 - Diamond Plan

Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
7.1
/ 10
10Life Score
Medical and Emergency Assistance Score
5.8 / 10
Personal Accident Score​
10 / 10
Trip Inconvenience Score
7.9 / 10
Personal Property Score
6.9 / 10
Premium for Age 18 to 54
HKD 226.0
Zurich | 蘇黎世

Get "Z" Go+ Travel Insurance Plan - Comprehensive Plan

Mobile Phone Protection
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
7.1
/ 10
10Life Score
Medical and Emergency Assistance Score
7.5 / 10
Personal Accident Score​
10 / 10
Trip Inconvenience Score
6.6 / 10
Personal Property Score
5.8 / 10
Premium for Age 18 to 54
317.7
HKD 238.3
Purchase Now
Avo Insurance | Avo 保險

Travel Protection - Plus

Mobile Phone Protection
Follow-up Physiotherapy
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
6.8
/ 10
10Life Score
Medical and Emergency Assistance Score
7.4 / 10
Personal Accident Score​
6.5 / 10
Trip Inconvenience Score
7.4 / 10
Personal Property Score
5.3 / 10
Premium for Age 18 to 54
222.0
HKD 155.4
Purchase Now
Starr | Starr

TraveLead-Luxe-Extra Plan

Mobile Phone Protection
Follow-up Physiotherapy
Extreme Sports Medical Coverage
Loss of Travel Document
6.5
/ 10
10Life Score
Medical and Emergency Assistance Score
6.7 / 10
Personal Accident Score​
5.7 / 10
Trip Inconvenience Score
7.5 / 10
Personal Property Score
5.3 / 10
Premium for Age 18 to 54
171.0
HKD 153.9
Purchase Now
Blue Cross | 藍十字保險

Travel Smart - Select Plan

Mobile Phone Protection
Follow-up Physiotherapy
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
6.4
/ 10
10Life Score
Medical and Emergency Assistance Score
5.7 / 10
Personal Accident Score​
6.7 / 10
Trip Inconvenience Score
7.8 / 10
Personal Property Score
5.6 / 10
Premium for Age 18 to 54
196.0
HKD 127.4
Purchase Now
BOCG Insurance | 中銀集團保險
Universal Voyage - Gold Plan (with Enhanced Benefit)
Mobile Phone Protection
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
10Life Score
7.8
/ 10
Medical and Emergency Assistance Score
7.3 / 10
Personal Accident Score​
10 / 10
Trip Inconvenience Score
8.8 / 10
Personal Property Score
6.3 / 10
Premium for Age 18 to 54
HKD 222.0
277.5
Purchase Now
Prudential | 保誠保險
PRUChoice
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
10Life Score
7.8
/ 10
Medical and Emergency Assistance Score
6.2 / 10
Personal Accident Score​
10 / 10
Trip Inconvenience Score
8.9 / 10
Personal Property Score
7.9 / 10
Premium for Age 18 to 54
HKD 223.0
Purchase Now
QBE | 昆士蘭保險
Single Trip Travel Insurance - Gold Plan
Follow-up Physiotherapy
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
10Life Score
7.8
/ 10
Medical and Emergency Assistance Score
8 / 10
Personal Accident Score​
10 / 10
Trip Inconvenience Score
8.2 / 10
Personal Property Score
6.3 / 10
Premium for Age 18 to 54
HKD 241.0
Purchase Now
Hang Seng | 恒生
Travelsure Protection Plan - Standard Plan
Mobile Phone Protection
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
10Life Score
7.7
/ 10
Medical and Emergency Assistance Score
7.3 / 10
Personal Accident Score​
9.9 / 10
Trip Inconvenience Score
7.3 / 10
Personal Property Score
7.7 / 10
Premium for Age 18 to 54
HKD 170.8
Fubon | 富邦
MyWay Travel Insurance Plan - Plan A
Mobile Phone Protection
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
10Life Score
7.7
/ 10
Medical and Emergency Assistance Score
6.4 / 10
Personal Accident Score​
8.7 / 10
Trip Inconvenience Score
8.3 / 10
Personal Property Score
8.5 / 10
Premium for Age 18 to 54
HKD 224.8
Fubon | 富邦
MyWay Travel Insurance Plan - Plan A (with Extra Sports Equipment Benefits)
Mobile Phone Protection
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
10Life Score
7.7
/ 10
Medical and Emergency Assistance Score
6.4 / 10
Personal Accident Score​
8.7 / 10
Trip Inconvenience Score
8.3 / 10
Personal Property Score
8.5 / 10
Premium for Age 18 to 54
HKD 264.7
MSIG | 三井住友海上火災保險（香港）
iTravel Go (Single Trip) - Plan B
Mobile Phone Protection
Follow-up Physiotherapy
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
10Life Score
7.6
/ 10
Medical and Emergency Assistance Score
8 / 10
Personal Accident Score​
5.5 / 10
Trip Inconvenience Score
8.5 / 10
Personal Property Score
7 / 10
Premium for Age 18 to 54
HKD 143.6
261.0
Purchase Now
Generali | 忠意保險
Bravo Travel Protector - Classic Plan
Mobile Phone Protection
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
10Life Score
7.4
/ 10
Medical and Emergency Assistance Score
8 / 10
Personal Accident Score​
7.9 / 10
Trip Inconvenience Score
5.9 / 10
Personal Property Score
8.2 / 10
Premium for Age 18 to 54
HKD 175.7
251.0
Purchase Now
Allied World | 聯合世界
Journey Guard - Plan II
Mobile Phone Protection
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
10Life Score
7.4
/ 10
Medical and Emergency Assistance Score
7.3 / 10
Personal Accident Score​
9.5 / 10
Trip Inconvenience Score
6.2 / 10
Personal Property Score
8 / 10
Premium for Age 18 to 54
HKD 224.8
BOCG Insurance | 中銀集團保險
Universal Voyage - Gold Plan
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
10Life Score
7.2
/ 10
Medical and Emergency Assistance Score
7.3 / 10
Personal Accident Score​
10 / 10
Trip Inconvenience Score
8.3 / 10
Personal Property Score
4.8 / 10
Premium for Age 18 to 54
HKD 177.6
222.0
Purchase Now
CMB Wing Lung Bank | 招商永隆銀行
Travel Insurance 2.0 - Diamond Plan
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
10Life Score
7.1
/ 10
Medical and Emergency Assistance Score
5.8 / 10
Personal Accident Score​
10 / 10
Trip Inconvenience Score
7.9 / 10
Personal Property Score
6.9 / 10
Premium for Age 18 to 54
HKD 226.0
Zurich | 蘇黎世
Get "Z" Go+ Travel Insurance Plan - Comprehensive Plan
Mobile Phone Protection
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
10Life Score
7.1
/ 10
Medical and Emergency Assistance Score
7.5 / 10
Personal Accident Score​
10 / 10
Trip Inconvenience Score
6.6 / 10
Personal Property Score
5.8 / 10
Premium for Age 18 to 54
HKD 238.3
317.7
Purchase Now
Avo Insurance | Avo 保險
Travel Protection - Plus
Mobile Phone Protection
Follow-up Physiotherapy
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
10Life Score
6.8
/ 10
Medical and Emergency Assistance Score
7.4 / 10
Personal Accident Score​
6.5 / 10
Trip Inconvenience Score
7.4 / 10
Personal Property Score
5.3 / 10
Premium for Age 18 to 54
HKD 155.4
222.0
Purchase Now
Starr | Starr
TraveLead-Luxe-Extra Plan
Mobile Phone Protection
Follow-up Physiotherapy
Extreme Sports Medical Coverage
Loss of Travel Document
10Life Score
6.5
/ 10
Medical and Emergency Assistance Score
6.7 / 10
Personal Accident Score​
5.7 / 10
Trip Inconvenience Score
7.5 / 10
Personal Property Score
5.3 / 10
Premium for Age 18 to 54
HKD 153.9
171.0
Purchase Now
Blue Cross | 藍十字保險
Travel Smart - Select Plan
Mobile Phone Protection
Follow-up Physiotherapy
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
10Life Score
6.4
/ 10
Medical and Emergency Assistance Score
5.7 / 10
Personal Accident Score​
6.7 / 10
Trip Inconvenience Score
7.8 / 10
Personal Property Score
5.6 / 10
Premium for Age 18 to 54
HKD 127.4
196.0
Purchase Now
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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, Skiing) 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.

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How to Find the Right Travel Insurance for Your Trip?

評估旅遊需求 Assess Your Travel Needs
Assess Your Travel Needs

Before comparing plans, consider destination risks, trip duration and valuable items. Choose plans with extreme sports coverage for adventurous activities and strong personal property or mobile protection for gadgets if needed. Annual plans are recommended for frequent travellers.

比較不同保險公司計劃.Compare Plans from Well-Known Providers
Compare Plans from 10Life

When comparing travel insurance, start with reputable providers, such as AXA, Zurich, and FWD. Use trusted comparison platforms like 10Life to review their overall ratings, coverage limits, and exclusions side-by-side. Focus on plans that offer clear documentation, responsive claims support, and a balance of price and benefits, rather than simply choosing the cheapest option. 

Compare Coverage Areas & Benefits比較產品保障範圍
Compare Coverage Areas & Benefits

Don’t choose travel insurance by price alone — focus on the protection it offers. Check medical coverage, emergency evacuation, trip cancellation, delays, lost property, liability, sports coverage, and rental car excess. Compare claim limits and exclusions; broader coverage often justifies a slightly higher premium.

Tip: Look beyond coverage areas — higher limits and fewer exclusions usually mean better value.

What Does Travel Insurance Include?

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 and Trip Cancellation Coverage

Travel Delay coverage helps reimburse extra costs like meals, local transport, and accommodation when your flight or other common carrier is significantly delayed for reasons covered by the policy, up to stated limits. Trip Cancellation coverage reimburses prepaid, non‑refundable trip costs such as flights, hotels, and tours if you have to cancel before departure due to specific insured events like serious illness, family emergencies, or severe weather.​
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. Smart Electronic Devices Coverage can reimburse you for theft, loss, or accidental damage to essential devices like smartphones, laptops, and cameras during your trip.
個人財物評分

Coverage for Sports or Extreme Activities

Provides coverage for participation in many amateur and popular sports activities, such as skiing, rafting, horse riding, hiking, water sports, ziplining.
運動或極限活動保障

Rental Vehicle Excess Coverage

If you rent a car overseas, this coverage reimburses the excess or deductible charged by the rental company in case of damage or an accident. It is especially useful in destinations where rental car excess fees can reach thousands of Hong Kong dollars.
租賃車輛自負額保障

Annual vs Single-Trip Travel Insurance

保障期
Coverage Period
保費計算
Premium Calculation
保障次數
Coverage Frequency
適合對象
Suitability
全年旅遊保
Annual Travel Insurance
1 year, unlimited trips, max 90-100 days each trip
Paid once annually
Unlimited trips within the policy year
Frequent travellers or long trips
單次旅遊保
Single-Trip Travel Insurance
One trip only, up to a maximum of 180 days per trip
Paid per trip, varies with trip length and destination
Single trip per policy
Infrequent or single-trip ​​travellers

How to File a Claim on Your Travel Insurance?

準備並提交索償表格
Step 1: Prepare and Submit Your Claim Form

File a claim by submitting a claim form along with supporting documents such as boarding passes, medical reports, police report and receipts to the insurance provider’s online platforms.

在限期內提交索償
Step 2: Meet the Submission Deadline

Insurers in Hong Kong usually require claims to be submitted within 30 days of the incident. Use their online claim centres for faster processing.  

保留文件副本並追蹤索償進度
Step 3: Keep Copies and Track Your Claim

Keep copies of all submitted documents and track the claim status online. 

Who needs Travel Insurance?

熱愛外遊的人士

Frequent Travellers

Frequent travellers can benefit greatly from multi-trip or annual travel insurance plans that cover multiple trips within a year. This provides ongoing protection, convenience, and cost savings compared to buying single-trip plans repeatedly if one travels frequently. Business travellers, expatriates, and frequent holidaymakers should consider yearly policies for comprehensive coverage.
打算於海外潛水、滑雪

Diving or Skiing Travellers

For those planning activities such as diving or skiing, remember that these popular travel experiences come with inherent risks. Fortunately, many travel insurance policies offer coverage for these activities if 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 theft 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.
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Frequently Ask Questions About Travel Insurance

What are the tips for finding affordable travel insurance?

If you are looking for affordable travel insurance to ensure peace of mind during your trip, here are some general guidelines or tips you can follow:

  • Compare multiple plans through comparison websites like 10Life
  • Opt for coverage tailored to your trip to avoid unnecessary extras
  • Purchase early to secure coverage for pre-trip cancellations
  • Look for promotional discounts and seasonal offers from insurers
  • Consider annual multi-trip plans if you travel frequently to save overall. 

When should you purchase holiday insurance?

Purchase travel insurance as soon as the trip is confirmed and deposits or payments for flights or accommodation are made. Early purchase ensures coverage for trip cancellation or interruption due to unforeseen events before departure. Ideally, buy it before any travel alerts or weather warnings are issued for your destination. 

How much does travel insurance cost?

Travel insurance premiums in Hong Kong vary by coverage amount, trip duration, destination, age, and plan type. For single-trip plans, the cost can range significantly​​​​. Annual multi-trip plans generally cost more upfront but provide better value for frequent travellers. 

Can I buy travel insurance if I have a pre-existing medical condition?

Most insurers in Hong Kong exclude coverage for medical issues arising from pre-existing conditions. It is important to take this into consideration when purchasing insurance to avoid claim denial. 

Can I enhance my holiday insurance?

Some travel insurance plans often allow enhancements for holiday insurance, including coverage for hazardous sports, rental vehicle excess, or higher limits for personal belongings.

What are the steps to purchase travel insurance?

Follow the steps below to purchase travel insurance:

  1. Assess travel needs: destination, duration, activities
  2. Compare plans and premiums on online platforms or directly from insurers
  3. Select the suitable coverage, including any enhancements
  4. Provide accurate personal and trip information
  5. Purchase online or through agents before the trip begins
  6. Receive policy documents and carry proof of insurance during travel. 

Are there any age limits for elderlies considering purchasing travel insurance?

Not all travel insurance accepts seniors. Consider policies with lenient age limit, such as explicitly cover those under 80. For seniors aged 70+, some policies reduce maximum payouts for medical/accident coverage.

When travelling to high-medical-cost destinations, select plans with higher coverage limits and check that emergency medical evacuation benefits are sufficient.

Will an outbound travel alert affect the coverage of travel insurance?

Most travel insurance policies provide coverage for trip cancellation or curtailment related to outbound travel alerts, usually on the condition that the insured person purchased the policy before the alert was issued, and that the relevant alert (often red or black) is one of the covered events specified in the policy.

If a red or black outbound travel alert is issued for the destination within a specified number of days before departure, causing the trip to be cancelled, or if a red or black alert is issued during the trip and the journey must be cut short, the insured person will generally be able to receive partial or full compensation for prepaid and non-refundable flight tickets, accommodation, and trip expenses, but everything is subject to the terms and conditions of the policy. 

Does participating in winter sports such as skiing and snowboarding necessitates extra coverage in travel insurance?

Many travel insurance plans cover winter sports such as skiing, but the scope of coverage is often limited. For example, they typically do not cover sports activities performed professionally or competitions that involve prize money or any form of reward. For details, refer to the exclusions section of the policy.

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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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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Methodology
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Compare Travel Insurance
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