The Best Travel Insurance Plans for Hong Kong in 2025
- The best travel insurance plans for Hong Kong
- Is it currently safe to travel to Hong Kong?
- Is travel insurance required by law to enter Hong Kong?
- Why take out travel insurance for Hong Kong?
- What Travel Insurance for Hong Kong Should Cover
- The Cost of Travel Insurance for Hong Kong
- How can you pay less for your travel insurance to Hong Kong?
- Your Current Insurance Coverage in Hong Kong
- FAQ
Travel insurance for Hong Kong: key takeaways
1. Definition: Travel insurance for Hong Kong covers medical emergencies, trip cancellation, and lost personal belongings.
2. Key protection: Insurance is not mandatory for Canadians, but it is strongly recommended for financial protection.
3. Healthcare cost: Private healthcare in Hong Kong is expensive, costing over CAD $1,000 for one night.
4. Price: A one-week travel insurance policy for Hong Kong typically costs between CAD $30 and $60.
5. Good to know: Consider policies that cover trip disruptions, as typhoon season runs from May to October.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travellers every month. After analyzing 38 travel insurance policies available in Canada, our experts share here everything you need to know to choose the best travel insurance for Hong Kong.
The best travel insurance plans for Hong Kong
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.5M CA | Comprehensive coverage for a safe trip to Hong Kong. - very high medical reimbursement - hospital and repatriation included - no deductible |
| Cap Assistance 24/24 | $1.5M CA | Reliable for both short and longer stays. - medical helpline 24/7 - cancellation protection - clear claims process |
| Tourist Card | $750k CA | Good balance for tourism with essential protection. - solid medical ceiling - efficient emergency assistance - competitive pricing |
| Travel Pass Monde | $1M CA | Suitable for travel across multiple countries. - wide coverage - repatriation and hospitalisation - broad guarantee scope |
| Globe Partner | $450k CA | Reliable for international trips on a budget. - global medical care - repatriation included - straightforward guarantee terms |
| Globe Traveller | $750k CA | Sensible option for short or low-risk stays in Hong Kong. - core health benefits - fast reimbursement - coverage cap suited to most needs |
- very high medical reimbursement
- hospital and repatriation included
- no deductible
- medical helpline 24/7
- cancellation protection
- clear claims process
- solid medical ceiling
- efficient emergency assistance
- competitive pricing
- wide coverage
- repatriation and hospitalisation
- broad guarantee scope
- global medical care
- repatriation included
- straightforward guarantee terms
- core health benefits
- fast reimbursement
- coverage cap suited to most needs
Is it currently safe to travel to Hong Kong?
As of June 2025, the Government of Canada’s Global Affairs department asks travellers to exercise a high degree of caution when visiting Hong Kong, citing the risk of arbitrary enforcement of local laws and ongoing political sensitivities.
Here are their four main recommendations.
- Security risks: protests and large public gatherings are possible throughout Hong Kong. In recent years, demonstrations in Central and Mong Kok have led to mass arrests and travel disruption.
- Health risks: Hong Kong records cases of vector-borne diseases such as dengue. Access to private medical care is good but may require advance proof of insurance for admission.
- Legal constraints: national security laws are broadly enforced. For example, public criticism of government or filming protests, even as a bystander, may lead to questioning or detention.
- Environmental hazard: typhoon season runs May to October. Severe weather, including high winds and flash flooding, can cause metro and flight delays as seen during Typhoon Mangkhut in 2018.
Although not required, travel insurance is strongly recommended by the Government of Canada’s Global Affairs department, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Hong Kong.
Is travel insurance required by law to enter Hong Kong?
No, travel insurance is not legally mandatory for Canadian citizens to enter Hong Kong.
Travel insurance is still strongly recommended because private medical facilities in Hong Kong can require advance payment or proof of coverage, and healthcare costs are high. Insurance also protects against unforeseen events such as accidents or evacuation needs.
According to our data, 80% of travelers purchase travel insurance before going to Hong Kong, mainly due to the high cost of medical care and emergency services for visitors.
Why take out travel insurance for Hong Kong?
It is an essential financial and medical protection for anyone going to Hong Kong.
Medical costs in Hong Kong are high, particularly in private facilities such as Hong Kong Adventist Hospital or Gleneagles Hospital Hong Kong. Foreigners may be required to pay in advance or show proof of coverage. Public hospitals are available, but private clinics are more commonly used by visitors and can be expensive.
Travel insurance covers medical fees, hospitalisation, medication, ambulance transport and emergency repatriation to Canada in the event of a serious incident.
Here are some examples of healthcare costs in Hong Kong.
| Example of medical treatment | Cost at Gleneagles Hospital Hong Kong | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | HKD 48,000 (about CAD 8,200) | Up to CAD 1,000,000 |
| I broke my tibia (X-ray, cast, and crutch rental) | HKD 22,000 (about CAD 3,760) | Up to CAD 1,000,000 |
| I need to be repatriated | HKD 210,000 (about CAD 36,000) | Up to CAD 1,000,000 |
| I have appendicitis (consultation and surgery) | HKD 94,000 (about CAD 16,000) | Up to CAD 1,000,000 |
These prices are given as an indication and may vary depending on the facilities and regions.
It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.
What Travel Insurance for Hong Kong Should Cover
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers emergency hospital care, outpatient treatment, and specialist consultations. Recommended reimbursement limit: at least CA$1,000,000. |
| 🚑 Medical evacuation & repatriation | Supports emergency evacuation to Canada or transfer to superior care if local facilities are inadequate. Recommended reimbursement limit: at least CA$500,000. |
| 🛏️ Hospitalization costs | Covers overnight stays, operating room fees, intensive care and related charges. Recommended reimbursement limit: at least CA$500,000. |
| 💊 Medications | Reimburses prescription medicines needed during your trip due to illness or accident. Recommended reimbursement limit: at least CA$10,000. |
| 🦺 Personal liability | Covers accidental damage to property or injury to others. Recommended reimbursement limit: at least CA$1,000,000. |
| ✈️ Trip cancellation/interruption | Protects prepaid travel costs if your trip is cancelled or interrupted for covered reasons. Recommended reimbursement limit: at least CA$5,000. |
| 🎒 Baggage & personal belongings | Reimburses loss, theft, or damage of luggage and valuables during your trip. Recommended reimbursement limit: at least CA$2,000. |
| ☎️ 24/7 assistance hotline | Offers multilingual emergency support for health, legal or logistical issues. No reimbursement limit, but ensure access is unlimited and available worldwide. |
Recommended reimbursement limit: at least CA$1,000,000.
Recommended reimbursement limit: at least CA$500,000.
Recommended reimbursement limit: at least CA$500,000.
Recommended reimbursement limit: at least CA$10,000.
Recommended reimbursement limit: at least CA$1,000,000.
Recommended reimbursement limit: at least CA$5,000.
Recommended reimbursement limit: at least CA$2,000.
No reimbursement limit, but ensure access is unlimited and available worldwide.
Insurance from local providers or most bank cards often gives limited coverage, with low limits and many exclusions. It's safer to choose a recognized insurer with full protection. Compare top options on HelloSafe and subscribe online for instant proof of insurance.
The Cost of Travel Insurance for Hong Kong
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | CA$35 – CA$45 |
| 2 weeks | 45 years old | CA$60 – CA$80 |
| 1 month | 35 years old | CA$85 – CA$110 |
| 1 month | 70 years old | CA$220 – CA$270 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The price of travel insurance for Canadians is based on several elements: your age, trip duration, destination, desired coverage amount, and optional add-ons like trip cancellation. Keeping these factors in mind is essential to find a policy that provides adequate protection for your specific travel needs without any unexpected costs.
💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
👉 Compare the best travel insurance for freeI compareHow can you pay less for your travel insurance to Hong Kong?
Here are some suggestions to optimize the cost of your travel insurance to Hong Kong while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🗓️ Trip duration | The total length of your stay directly impacts insurance price, especially for longer trips. | Buy a policy matching your exact dates of travel to avoid unnecessary extra days. |
| 🎒 Type of activities | Adventure sports, hiking, or high-risk activities in Hong Kong raise the insurance cost. | Purchase a plan limited to your needs, and exclude extra sports or add-ons if unneeded. |
| 👥 Number of travelers | Family or group plans can lower the per-person price for everyone covered. | Opt for a group policy with trip-mates or family for bundled discounts and better value. |
| 🏥 Level of coverage | Higher limits for medical and assistance push up costs, but are important for private care. | Choose reasonable but sufficient medical coverage for Hong Kong’s private hospital fees. |
| 📍 Age of traveler | Premiums increase for older travelers due to higher medical risk. | With Heymondo, the price does not rise for people over 62, so check their offers. |
| ✈️ Deductibles | Choosing a higher deductible can reduce the upfront cost of your premium. | Raise your deductible only if you can afford to cover small expenses out-of-pocket when abroad. |
| 🏦 Payment method | Some insurers offer discounts for upfront payment or paying with certain cards. | Look for discounts by selecting annual payment and check for card-specific cashback or offers. |
Your Current Insurance Coverage in Hong Kong
It’s completely legitimate to wonder whether your existing coverage, such as credit card insurance or your public health system, can protect you during a trip to Hong Kong. Unfortunately, this coverage is often limited or insufficient. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Hong Kong? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (provincial health plan) | Never | No reimbursement for medical care, hospitalization, or repatriation outside Canada. | Travel insurance provides up to CA$1,000,000+ for medical expenses and evacuation costs. |
| Private health insurance | Limited coverage | May partially reimburse some out-of-country expenses (e.g., 80% up to CA$10,000), rarely covers repatriation. | Travel insurance offers up to CA$1,000,000+ for emergency care and full 24/7 assistance. |
| Classic credit card (CIBC Classic, TD Classic, RBC Visa Classic) | Limited coverage | Emergency medical, rarely above CA$50,000, short duration (up to 15 days), no baggage loss or interruptions. | Travel insurance includes higher limits, trip cancellation up to CA$5,000, and luggage loss. |
| Premium credit card (Amex Gold, Visa Infinite, World Elite MC) | Limited coverage | Emergency medical up to CA$250,000 for short trips, limited baggage and delay benefits, exclusions apply. | Travel insurance can cover CA$1,000,000+, offers trip interruption, and support at destination. |
Example
While in Hong Kong, Sarah contracted severe dengue fever, requiring hospitalization. The private hospital bill reached CA$25,000. Her CIBC Visa's travel insurance only covered $5,000, and her provincial plan covered almost nothing. Without comprehensive travel insurance, she faced a staggering CA$20,000 out-of-pocket expense for her recovery.
Expert advice
Many credit cards and provincial health plans exclude key situations like trip interruption due to a relative’s illness. Carefully review your existing policies to avoid surprises abroad. In all cases, it is safer and more reassuring to subscribe to a dedicated travel insurance plan tailored to your trip.
FAQ
Do I need a visa to travel to Hong Kong?
Canadian citizens do not need a visa for tourist or business stays in Hong Kong of up to 90 days. Your passport must be valid for at least one month beyond the date you plan to leave. Be prepared to show a return or onward ticket and proof of sufficient funds.
How do I purchase travel insurance for Hong Kong?
Start by using the HelloSafe travel insurance comparison tool to find the best options. Check the coverage and exclusions, paying attention to health care, typhoon disruption, and personal liability. Purchase your policy online, then receive your insurance certificate by email, which is valid immediately.
Are medical costs high in Hong Kong for Canadian travellers?
Medical care in Hong Kong is of a high standard, especially in private hospitals, but costs can be significant. An emergency hospital stay can quickly exceed CA$10,000 without insurance, and clinics often require proof of coverage before treatment. Travel insurance protects you from unexpected medical expenses.
Does travel insurance cover typhoon or flight disruptions in Hong Kong?
Most comprehensive travel insurance policies include coverage for trip delays, cancellations, or interruptions caused by severe weather events, such as typhoons. Always verify that your policy includes these protections, as Hong Kong’s typhoon season runs from May to October and disruptions are possible.
Can I get travel insurance if I already have a medical condition?
Yes, many Canadian insurers offer coverage for travellers with pre-existing medical conditions. It’s important to disclose your condition when applying. Some policies provide full coverage if your condition is stable, while others may have exclusions, so check the terms before purchasing.
What should I do in case of emergency while in Hong Kong?
If you face a medical or travel emergency in Hong Kong, contact your insurer’s assistance center for support. They can refer you to appropriate health facilities, assist with translation, or help coordinate repatriation. Always carry your policy details and emergency numbers during your trip.
Do I need a visa to travel to Hong Kong?
Canadian citizens do not need a visa for tourist or business stays in Hong Kong of up to 90 days. Your passport must be valid for at least one month beyond the date you plan to leave. Be prepared to show a return or onward ticket and proof of sufficient funds.
How do I purchase travel insurance for Hong Kong?
Start by using the HelloSafe travel insurance comparison tool to find the best options. Check the coverage and exclusions, paying attention to health care, typhoon disruption, and personal liability. Purchase your policy online, then receive your insurance certificate by email, which is valid immediately.
Are medical costs high in Hong Kong for Canadian travellers?
Medical care in Hong Kong is of a high standard, especially in private hospitals, but costs can be significant. An emergency hospital stay can quickly exceed CA$10,000 without insurance, and clinics often require proof of coverage before treatment. Travel insurance protects you from unexpected medical expenses.
Does travel insurance cover typhoon or flight disruptions in Hong Kong?
Most comprehensive travel insurance policies include coverage for trip delays, cancellations, or interruptions caused by severe weather events, such as typhoons. Always verify that your policy includes these protections, as Hong Kong’s typhoon season runs from May to October and disruptions are possible.
Can I get travel insurance if I already have a medical condition?
Yes, many Canadian insurers offer coverage for travellers with pre-existing medical conditions. It’s important to disclose your condition when applying. Some policies provide full coverage if your condition is stable, while others may have exclusions, so check the terms before purchasing.
What should I do in case of emergency while in Hong Kong?
If you face a medical or travel emergency in Hong Kong, contact your insurer’s assistance center for support. They can refer you to appropriate health facilities, assist with translation, or help coordinate repatriation. Always carry your policy details and emergency numbers during your trip.
