What is the best Travel Insurance Hong Kong for 2024?

Travel insurance for Hong Kong from Canada is crucial because provincial healthcare coverage doesn't extend to other countries.

A Hong Kong travel insurance plan provides essential protection against unexpected medical expenses, trip cancellations, lost baggage, and more. But how do you choose the right plan?

We take you through the best travel insurance Hong Kong plans for Canadians, their pros, cons, prices, and more. You can use our free comparator tool to weigh multiple plans and get free travel insurance quotes so you can buy a policy that truly suits your needs.

Best Travel Insurance Hong Kong Plans for 2024

SoNomad Travel Insurance: Tailored for Nomads

SoNomad is a travel insurance company that caters to digital nomads and long-term travelers. They offer a variety of plans that can be customized to fit your needs, including coverage for medical expenses, trip cancellation or interruption, lost or delayed baggage, and more.

SoNomad travel insurance to Kong Kong for Canadians is available for both short-term and long-term stays. The policy covers medical expenses up to $1 million, trip cancellation or interruption up to $5,000, and lost or delayed baggage up to $1,000. The policy also includes coverage for emergency medical transportation, personal liability, and baggage delay.

Here are some of the pros and cons of SoNomad travel insurance to Kong Kong for Canadians:

Pros:

• Covers a wide range of travel-related expenses
• Can be customized to fit your needs
• Available for both short-term and long-term stays
• Competitive prices
• Good customer service

Cons:

• Not as well-known as some other travel insurance companies
• Some restrictions on coverage for certain activities (subject to change on individual)

If you think SoNomad travel insurance could be the best choice for you, you can get personalized quotes right here in seconds.

Allianz Travel Insurance: Extensive Coverage Options

Allianz Travel Insurance Canada is a good option for getting travel insurance for Hong Kong since it provides a range of coverage options to accommodate various travel plans, ensuring extensive protection for medical emergencies, car rentals, and travel disruptions. Here are some of the key travel packages offered by Allianz:

• One-Trip Prime: Trip cancellation protection of up to $100,000, trip interruption coverage of up to $150,000, emergency medical coverage of $50,000, and emergency medical transportation coverage of $500,000. Additionally, it offers coverage for baggage loss, damage, or theft up to $1,000.
• All-Trips Executive: Designed for those who embark on multiple trips within a fiscal year, this plan aims to alleviate the stress of business travel. It includes epidemic coverage, trip cancellation and interruption benefits of up to $10,000, emergency medical coverage of up to $50,000, and travel accident coverage of up to $50,000.

Here are more details of each plan:

up to $50,000 in medical coverage	One-Trip Prime	All-Trips Executive	Rental Car Damage Protector
Emergency Medical	up to $50,000 in medical coverage	up to $50,000 medical coverage
Baggage	up to $1,000	up to $1,000	up to $1,000
Cancellation	up to $100,000	up to $10,000
Interruption	up to $150,000	up to $10,000	up to $1,000

If you think Allianz Travel Insurance could be the best choice for you, you can get personalized quotes right here in seconds.

TuGo Travel Insurance: Comprehensive Travel Plans

TuGo travel insurance is a well-regarded Canadian travel insurance company that offers a range of insurance plans tailored to meet the needs of individuals, families, and businesses during their journeys.

When it comes to travel insurance Hong Kong, TuGo offers coverage for various travel-related incidents, including emergency medical expenses, trip cancellation/interruption, and baggage loss.

Notably, it extends generous emergency medical coverage of up to $10 million and offers the option to include Cancel for Any Reason (CFAR) coverage. Additionally, TuGo stands out by offering coverage for adventurous sports through an optional rider.

Here are its pros and cons:

Pros:

• Comprehensive coverage
• Generous emergency medical coverage
• Multi-trip plans tailored for frequent travelers
• Convenient purchase options, including online and through their customer service representatives

Cons:

• Relatively high premiums
• Excludes coverage for unstable pre-existing conditions
• Some customer reviews suggest delays or difficulties in the claims process
• Age limit of 59 for all-inclusive packages, with individuals aged 60 and above required to complete a medical questionnaire

If you think TuGo Travel Insurance could be the best choice for you, you can get personalized quotes right here in seconds.

Manulife travel insurance: Customized Travel Protection

Manulife's travel insurance offerings are branded as CoverMe travel plans. The protections and benefits provided by these plans are tailored to individual travelers, taking into account factors such as their specific travel needs, desired coverage, trip duration, and destination.

The primary CoverMe travel insurance plans are:

1. CoverMe for Traveling Canadians
2. CoverMe for Visitors to Canada
3. CoverMe for Students

Plan name	CoverMe for Travelling Canadians	CoverMe for Visitors to Canada	CoverMe for Students
Emergency Medical	Up to $1 million	up to $150,000	Up to $2 million
Baggage	up to $500	up to $1,000
Cancellation	up to $5,000	up to $10,000
Interruption	up to $5,000	up to $10,000
Covid-19

Additionally, Manulife offers the widely favored Manulife Single Trip All-Inclusive plan designed for Canadian travelers planning to buy travel insurance for Hong Kong. This comprehensive plan encompasses emergency medical coverage of up to $10 million, protection against trip cancellation/interruption, coverage for baggage, and benefits related to flight and travel accidents.

If you think Manulife travel insurance could be the best choice for you, you can get personalized quotes right here in seconds.

Blue Cross Hong Kong Travel Insurance: Diverse Coverage Plans

Blue Cross travel insurance typically provides coverage for:

• Emergency medical expenses incurred during travel
• Trip interruption or cancellation in certain unforeseen situations
• Loss, delay, or theft of baggage
• Coverage for accidental death and dismemberment
• Travel assistance services, which may include emergency evacuation
• Optional coverage for COVID-related incidents

Here is the coverage for Blue Cross single-trip plan for Hong Kong:

Coverage type	Emergency medical	Trip cancellation or interruption	Accidental death or dismemberment	Baggage
Up to $500 (after a 12-hour delay)	$5 million
Medical repatriation	One-way economy airfare
Paramedical services	Up to $400 per profession
Hospital allowance	Up to $100 per day, $500 max
Emergency dental for injury and pain	Up to $2,000 for injury, $500 for pain
Companion travel, subsistence	Economy fare and up to $1,200
Subsistence allowance due to medical delay	Up to $300 per day, max $3,000
Trip cancellation and trip interruption		Up to the sum insured, max $15,000
Meals & accommodation due to travel delay		Up to $300 per day, max $3,000
Travel accident			Up to $200,000 for travel, up to $300,000 for flight (depending on age and circumstances)
Baggage insurance				Up to $1,500
Baggage delay				Up to $500 (after 12-hour delay)

Before you zero in on a plan, it's important to compare policies from Canada's best travel insurance. While it may seem daunting, we've made it simple for you. You can just use our comparator below to compare multiple plans and even get free quotes from the best providers in no time.

AXA Travel Insurance Hong Kong: Trusted and Versatile Provider

AXA is a well-known travel insurance company that offers a variety of policies to fit your needs. Here are some of the specific coverages that AXA travel insurance to Hong Kong for Canadians offers:

• Medical expenses
• Trip cancellation or interruption
• Lost or delayed baggage
• Emergency medical transportation
• Personal liability
• Baggage delay
• Cancellation of events

Here are some of the pros and cons of AXA travel insurance to Hong Kong for Canadians:

Pros:

• Well-known and reputable company
• Offers a wide range of coverages
• Can be customized to fit your needs
• Good customer service

Cons:

• Not the cheapest option
• Some restrictions on coverage for certain activities

How much is travel insurance for Hong Kong?

Here is a table of the estimated prices of travel insurance for Canadians traveling to Hong Kong from different companies:

Company	Estimated price per month
SoNomad	$40-$100
Allianz	$50-$150
Tugo	$30-$80
Manulife	$60-$120
Blue Cross Hong Kong	$40-$100
AXA travel insurance Hong Kong	$50-$150
AIG Hong Kong travel insurance	$60-$120

Some factors that can affect the price include:

• Length of the trip: The longer the trip, the more expensive the insurance will be.
• Age of the traveler: Younger travelers are typically cheaper to insure than older travelers.
• Level of coverage: The more comprehensive the coverage, the more expensive the insurance will be.
• Deductible: A higher deductible will mean lower premiums, but you will have to pay more out of pocket if you need to make a claim.
• Waiting period: Some policies have a waiting period, which is the amount of time you have to be covered before you can make a claim. This is usually a few days or weeks.
• Exclusions: Some policies have exclusions, which are the things that are not covered by the policy. This could include pre-existing conditions, certain activities, or travel to certain countries.

What does travel insurance Hong Kong for Canadians cover?

Hong Kong travel insurance for Canadians is a type of insurance that covers medical expenses, trip cancellation or interruption, lost or delayed baggage, and other travel-related expenses. It is not mandatory for Canadians to purchase travel insurance to travel to Hong Kong, but it is highly recommended.

Here are some of the things that travel insurance Hong Kong for Canadians typically covers:

• Medical expenses: This includes the cost of doctor's visits, hospital stays, and ambulance transportation.
• Trip cancellation or interruption: This covers the cost of your trip if you have to cancel or interrupt your trip due to a covered reason, such as illness, injury, or the death of a family member.
• Lost or delayed baggage: This covers the cost of replacing your lost or delayed baggage.
• Emergency medical transportation: This covers the cost of transporting you to a medical facility in your home country if you become seriously ill or injured while in Hong Kong.
• Personal liability: This covers you if you are sued for accidental injury or property damage to others while in Hong Kong.
• Baggage delay: This covers the cost of essentials if your luggage is delayed.
• Cancellation of events: This covers the cost of events you have paid for that are canceled due to unforeseen circumstances.

We recommend that you compare prices and coverage from multiple insurers before you decide to buy a plan that fits your needs. You can do it right here using our comparator below and get personalized quotes in a few seconds.

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How to get cheap Hong Kong travel insurance plans for Canadians?

1. Compare Quotes: Shop around and compare quotes from different insurance providers to find the best deal. Use our HelloSafe comparator above to compare and get quick quotes.
2. Choose the Right Coverage: Select coverage that matches your travel needs to avoid overpaying for unnecessary benefits.
3. Consider Deductibles: Opt for a higher deductible to lower your premium, but ensure you can afford it if needed.
4. Check for Discounts: Look for discounts based on factors like group bookings, age, or online purchases.
5. Multi-Trip Insurance: If you travel frequently, consider multi-trip or annual policies for potential cost savings.