Travel insurance plans are designed as 'umbrella policies' and will offer you coverage for a number of risks.
Depending on the duration of your trip, you should first ensure that the scope of coverage and limits are enough for your needs. Below are some of the main areas of cover:
|Cover serious accidents such as accidental death, loss of limbs or eyesight, and permanent total disablement.|
|Medical and surgical fees, hospital charges and emergency dental treatment incurred as a result of sickness or injury during the journey, including the additional travel and accommodation expenses.|
|Loss of personal items or baggage|
|Pay for loss of or damage to baggage and personal belongings.|
|In the event of trip cancellation due to death, serious injury or sickness of the immediate family members of the insured; strike, adverse weather conditions or infectious diseases at the planned destination.|
|Reimburse legal liability in respect of accidental bodily injury or property damage to third parties due to negligence.|
|Rental Vehicle Excess|
|Reimburse for an excess of the vehicle rental agreement.|
|24-hour Worldwide Emergency Service|
|Provide all-rounded travel assistance, business concierge and medical assistance.|
|Repatriation of mortal remains|
|Return of remains or ashes to Hong Kong.|
The travel insurance policies that we can provide are available on a per-trip or annual basis. If you purchase a per-trip travel plan there are no limits placed on the length of cover, annual plans, however, while providing cover for as many trips as you make take in a year, will often limit the length of each individual trip. These limits will change depending on the insurance companies, hence please contact one of our expert advisers to discuss which plan would be best for you.
Travel insurance claim forms can be viewed, downloaded, and printed from here.