Compare Travel Insurance

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 26 Travel Insurance product(s) matching your selected filters.
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FWD | 富衛
MyTravel Insurance - Superior
Mobile Phone Protection
Follow-up Physiotherapy
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
8.8
/ 10
10Life Score
Medical and Emergency Assistance Score
8.5 / 10
Personal Accident Score​
10 / 10
Trip Inconvenience Score
8.8 / 10
Personal Property Score
8.6 / 10
Premium for Age 18 to 54
334.0
HKD 233.8
Purchase Now
BOCG Insurance | 中銀集團保險
Universal Voyage - Diamond Plan (with Enhanced Benefit)
Mobile Phone Protection
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
8.8
/ 10
10Life Score
Medical and Emergency Assistance Score
8.4 / 10
Personal Accident Score​
10 / 10
Trip Inconvenience Score
9.3 / 10
Personal Property Score
8.2 / 10
Premium for Age 18 to 54
397.5
HKD 318.0
Purchase Now
Blue Cross | 藍十字保險
Travel Smart - Premier Plan
Mobile Phone Protection
Follow-up Physiotherapy
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
8.7
/ 10
10Life Score
Medical and Emergency Assistance Score
7.9 / 10
Personal Accident Score​
10 / 10
Trip Inconvenience Score
9.5 / 10
Personal Property Score
8.3 / 10
Premium for Age 18 to 54
323.0
HKD 210.0
Purchase Now
Starr | Starr
TraveLead - Supreme Plan
Mobile Phone Protection
Follow-up Physiotherapy
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
8.5
/ 10
10Life Score
Medical and Emergency Assistance Score
8.5 / 10
Personal Accident Score​
8.6 / 10
Trip Inconvenience Score
8.6 / 10
Personal Property Score
8.7 / 10
Premium for Age 18 to 54
250.9
HKD 225.8
Purchase Now
Zurich | 蘇黎世
Get "Z" Go+ Travel Insurance Plan - Deluxe Plan
Mobile Phone Protection
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
8.5
/ 10
10Life Score
Medical and Emergency Assistance Score
8.5 / 10
Personal Accident Score​
10 / 10
Trip Inconvenience Score
8.9 / 10
Personal Property Score
7.6 / 10
Premium for Age 18 to 54
392.6
HKD 314.1
Purchase Now
AXA Hong Kong and Macau | AXA 安盛
SmartTraveller Plus - Privilege Plan
Mobile Phone Protection
Follow-up Physiotherapy
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
8.4
/ 10
10Life Score
Medical and Emergency Assistance Score
8 / 10
Personal Accident Score​
10 / 10
Trip Inconvenience Score
9.4 / 10
Personal Property Score
7 / 10
Premium for Age 18 to 54
345.0
HKD 258.8
Purchase Now
Chubb Life | 安達人壽
TravelWell Protection Plan - Premier Plan
Mobile Phone Protection
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
8.3
/ 10
10Life Score
Medical and Emergency Assistance Score
7.9 / 10
Personal Accident Score​
9.7 / 10
Trip Inconvenience Score
7.9 / 10
Personal Property Score
8.7 / 10
Premium for Age 18 to 54
HKD 263.7
Allianz Travel | 安聯旅遊
Single Trip Travel Insurance - Gold Plan
Mobile Phone Protection
Follow-up Physiotherapy
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
8.2
/ 10
10Life Score
Medical and Emergency Assistance Score
9 / 10
Personal Accident Score​
5.4 / 10
Trip Inconvenience Score
7.9 / 10
Personal Property Score
8.4 / 10
Premium for Age 18 to 54
242.0
HKD 145.2
Purchase Now
BOCG Insurance | 中銀集團保險
Universal Voyage - Diamond Plan
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
8.1
/ 10
10Life Score
Medical and Emergency Assistance Score
8.4 / 10
Personal Accident Score​
10 / 10
Trip Inconvenience Score
8.8 / 10
Personal Property Score
6.1 / 10
Premium for Age 18 to 54
318.0
HKD 254.4
Purchase Now
bolttech | 保特保險
TravelCare - Plan A
Mobile Phone Protection
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
8.0
/ 10
10Life Score
Medical and Emergency Assistance Score
7.9 / 10
Personal Accident Score​
9.3 / 10
Trip Inconvenience Score
7.9 / 10
Personal Property Score
7.9 / 10
Premium for Age 18 to 54
HKD 260.0
Dah Sing Insurance | 大新保險
JourneySure Travel Insurance Plan - Diamond Plan
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
7.9
/ 10
10Life Score
Medical and Emergency Assistance Score
7.8 / 10
Personal Accident Score​
8.8 / 10
Trip Inconvenience Score
9 / 10
Personal Property Score
6.3 / 10
Premium for Age 18 to 54
254.0
HKD 177.8
Purchase Now
FWD | 富衛
MyTravel Insurance - Premium
Mobile Phone Protection
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​
9.9 / 10
Trip Inconvenience Score
7.5 / 10
Personal Property Score
7.1 / 10
Premium for Age 18 to 54
215.0
HKD 150.5
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
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
FWD | 富衛
MyTravel Insurance - Superior
Mobile Phone Protection
Follow-up Physiotherapy
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
10Life Score
8.8
/ 10
Medical and Emergency Assistance Score
8.5 / 10
Personal Accident Score​
10 / 10
Trip Inconvenience Score
8.8 / 10
Personal Property Score
8.6 / 10
Premium for Age 18 to 54
HKD 233.8
334.0
Purchase Now
BOCG Insurance | 中銀集團保險
Universal Voyage - Diamond Plan (with Enhanced Benefit)
Mobile Phone Protection
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
10Life Score
8.8
/ 10
Medical and Emergency Assistance Score
8.4 / 10
Personal Accident Score​
10 / 10
Trip Inconvenience Score
9.3 / 10
Personal Property Score
8.2 / 10
Premium for Age 18 to 54
HKD 318.0
397.5
Purchase Now
Blue Cross | 藍十字保險
Travel Smart - Premier Plan
Mobile Phone Protection
Follow-up Physiotherapy
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
10Life Score
8.7
/ 10
Medical and Emergency Assistance Score
7.9 / 10
Personal Accident Score​
10 / 10
Trip Inconvenience Score
9.5 / 10
Personal Property Score
8.3 / 10
Premium for Age 18 to 54
HKD 210.0
323.0
Purchase Now
Starr | Starr
TraveLead - Supreme Plan
Mobile Phone Protection
Follow-up Physiotherapy
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
10Life Score
8.5
/ 10
Medical and Emergency Assistance Score
8.5 / 10
Personal Accident Score​
8.6 / 10
Trip Inconvenience Score
8.6 / 10
Personal Property Score
8.7 / 10
Premium for Age 18 to 54
HKD 225.8
250.9
Purchase Now
Zurich | 蘇黎世
Get "Z" Go+ Travel Insurance Plan - Deluxe Plan
Mobile Phone Protection
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
10Life Score
8.5
/ 10
Medical and Emergency Assistance Score
8.5 / 10
Personal Accident Score​
10 / 10
Trip Inconvenience Score
8.9 / 10
Personal Property Score
7.6 / 10
Premium for Age 18 to 54
HKD 314.1
392.6
Purchase Now
AXA Hong Kong and Macau | AXA 安盛
SmartTraveller Plus - Privilege Plan
Mobile Phone Protection
Follow-up Physiotherapy
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
10Life Score
8.4
/ 10
Medical and Emergency Assistance Score
8 / 10
Personal Accident Score​
10 / 10
Trip Inconvenience Score
9.4 / 10
Personal Property Score
7 / 10
Premium for Age 18 to 54
HKD 258.8
345.0
Purchase Now
Chubb Life | 安達人壽
TravelWell Protection Plan - Premier Plan
Mobile Phone Protection
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
10Life Score
8.3
/ 10
Medical and Emergency Assistance Score
7.9 / 10
Personal Accident Score​
9.7 / 10
Trip Inconvenience Score
7.9 / 10
Personal Property Score
8.7 / 10
Premium for Age 18 to 54
HKD 263.7
Allianz Travel | 安聯旅遊
Single Trip Travel Insurance - Gold Plan
Mobile Phone Protection
Follow-up Physiotherapy
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
10Life Score
8.2
/ 10
Medical and Emergency Assistance Score
9 / 10
Personal Accident Score​
5.4 / 10
Trip Inconvenience Score
7.9 / 10
Personal Property Score
8.4 / 10
Premium for Age 18 to 54
HKD 145.2
242.0
Purchase Now
BOCG Insurance | 中銀集團保險
Universal Voyage - Diamond Plan
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
10Life Score
8.1
/ 10
Medical and Emergency Assistance Score
8.4 / 10
Personal Accident Score​
10 / 10
Trip Inconvenience Score
8.8 / 10
Personal Property Score
6.1 / 10
Premium for Age 18 to 54
HKD 254.4
318.0
Purchase Now
bolttech | 保特保險
TravelCare - Plan A
Mobile Phone Protection
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
10Life Score
8.0
/ 10
Medical and Emergency Assistance Score
7.9 / 10
Personal Accident Score​
9.3 / 10
Trip Inconvenience Score
7.9 / 10
Personal Property Score
7.9 / 10
Premium for Age 18 to 54
HKD 260.0
Dah Sing Insurance | 大新保險
JourneySure Travel Insurance Plan - Diamond Plan
Car rental excess
Extreme Sports Medical Coverage
Loss of Travel Document
10Life Score
7.9
/ 10
Medical and Emergency Assistance Score
7.8 / 10
Personal Accident Score​
8.8 / 10
Trip Inconvenience Score
9 / 10
Personal Property Score
6.3 / 10
Premium for Age 18 to 54
HKD 177.8
254.0
Purchase Now
FWD | 富衛
MyTravel Insurance - Premium
Mobile Phone Protection
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​
9.9 / 10
Trip Inconvenience Score
7.5 / 10
Personal Property Score
7.1 / 10
Premium for Age 18 to 54
HKD 150.5
215.0
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
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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.

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Annual vs Single-Trip Travel Insurance
Coverage Period
Premium Calculation
Coverage Frequency
Suitability
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
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
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

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 Well-Known Providers

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.

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. Business travellers, expatriates, and frequent holidaymakers should consider annual 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 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 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
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 plan​​​​s 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. 
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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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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General Enquiry
Hotline
3705 1599
10Life.com is operated by 10Life Financial Limited registered in Hong Kong under company number 1154750 (“10Life Financial”).
10Life Financial is an authorised insurance broker with Insurance Authority License Number FB1526 whose business includes operating insurance comparison website and arranging insurance products and services for its clients. 10Life Financial is wholly owned subsidiary of 10Life Group.

© 2025 10Life Group Limited (registered in Hong Kong under company number 2366460) ("10Life Group"). All rights reserved.

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