Travel Insurance for Hong Kong

Hong Kong Travel Insurance

When travelling overseas it’s always important to choose the right travel insurance for your specific destination.

If you’re travelling to Hong Kong, you should consider a policy that provides 24 hour emergency assistance as well as cover for what’s most important to you such as:

Emergency Medical & Hospital Expenses
Cancellation
Loss of Income
Luggage & Personal Effects
Theft of Cash
Travel Documents, Credit Cards & Travellers Cheques
Special Event Transport Expenses
Rental Vehicle Insurance Excess
Permanent Disability
Personal Liability
Accidental Death

Travel Insurance for a holiday in Hong Kong

For a holiday in Hong Kong with Fast Cover, select 'Hong Kong' which will provide you with cover for travel throughout Hong Kong.

Also consider the type of holiday you’re taking and what activities are on your itinerary to ensure your travel insurance policy will provide cover for all of the fun things you want to do such as:

Getting a bird’s eye view of the city from the Victoria Peak lookout
Visiting the monks at the Po Lin Monastery or Man Mo Temple
Taking the family to attractions like Ocean Park Hong Kong and Disneyland
Day trips sailing around Lamma Island or Lantau Island
Visiting the Hong Kong Museum of History or the world-class Space Museum
Hiking up the stairs to the Ten Thousand Buddhas Monastery
Sightseeing and historic walking tours
Trekking and bicycle riding in the countryside
Horse riding tours
Water sports like sailing, wind surfing, kayaking and fishing
Adventure sports like bungee jumping, tandem skydiving and quad biking^#

Fast Cover offers great value travel insurance options to suit all travellers heading to Hong Kong.

Benefits of Fast Cover travel insurance

24 Hour Emergency Assistance Helpline
Unlimited Overseas Emergency Medical & Hospital Expenses
Unlimited Cancellation Cover
Cover for Luggage & Personal Effects
Cover for 43 Pre-Existing Medical Conditions
Optional cover for scooter, moped and motorcycle riding
Optional Rental Vehicle Excess Insurance
Optional Cover for Adventure Sports & Activities
Kids covered FREE when travelling with an insured adult

Medical Benefits	Basics	Domestic Plus	Standard Saver	Comprehensive	Snow Sports Plus	Frequent Traveller Saver
Overseas 24/7 Emergency Medical Assistance^ sub-limits:	Unlimited	–––	Unlimited	Unlimited	Unlimited	Unlimited
Funeral/cremation Overseas and/or bringing your remains home (per person)	$20,000		$20,000	$20,000	$20,000	$20,000
Overseas Emergency Medical & Hospital Expenses^	Unlimited	–––	Unlimited	Unlimited	Unlimited	Unlimited
Overseas Emergency Dental	$500	–––	$750	$1,000	$1,000	$1,000
Overseas Emergency Evacuation & Repatriation	Unlimited	–––	Unlimited	Unlimited	Unlimited	Unlimited
Overseas Hospital Cash Payment^ sub-limits:	–––	–––	–––	$5,000	$5,000	$5,000
Daily Limit (per person)				$50	$50	$50
Accidental Death Travellers Aged 80 to 89:	–––	$25,000 $20,000	–––	$25,000 $20,000	$25,000 $20,000	$25,000 $20,000
Accidental Death for travellers up to age 79		$25,000		$25,000	$25,000	$25,000
Accidental Death for travellers aged 80 - 89		$20,000		$20,000	$20,000	$20,000
Accidental Death of a Dependant (per Dependant)		$5,000		$5,000	$5,000	$5,000
Permanent Disability^ Travellers Aged 80 to 89:	–––	–––	–––	$50,000 $20,000	$50,000 $20,000	$25,000 $20,000
Permanent Disability for travellers up to age 79				$50,000	$50,000	$25,000
Permanent Disability for travellers aged 80 - 89				$20,000	$20,000	$20,000
Permanent Disability of a Dependant (per Dependant)				$5,000	$5,000	$5,000
Loss of Income^ sub-limits:	–––	–––	–––	$10,400	$10,400	$10,400
Weekly Limit (per person) - up to 26 weeks				$400	$400	$400

Financial Benefits	Basics	Domestic Plus	Standard Saver	Comprehensive	Snow Sports Plus	Frequent Traveller Saver
Trip Cancellation Expenses sub-limits:	–––	Unlimited	$25,000	Unlimited	Unlimited	Unlimited
Travel Agents Cancellation Fees		$1,500	$1,500	$1,500	$1,500	$1,500
Close Relatives that do not meet Close relative conditions		$2,000	$2,000	$2,000	$2,000	$2,000
Personal Liability	$1,000,000	$5,000,000	$2,500,000	$5,000,000	$5,000,000	$5,000,000
Trip Disruption Expenses sub-limits:	–––	$50,000	$30,000	$50,000	$50,000	$50,000
Close Relatives with a Pre-existing Medical Condition		$2,000	$2,000	$2,000	$2,000	$2,000
Trip Resumption Expenses	–––	$3,000	$2,000	$3,000	$3,000	$3,000
Luggage & Personal Effects sub-limits:	Optional	$7,500	$5,000	$15,000	$15,000	$15,000
Personal computers,video recorders or cameras (per item)	$3,000	$3,000	$3,000	$3,000	$3,000	$3,000
Mobile phones (per item)	$1,500	$1,500	$1,500	$1,500	$1,500	$1,500
Tablets (per item)	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000
All other unspecified items (per item)	$750	$750	$750	$750	$750	$750
Luggage and Personal Effects stolen from a Locked Storage Compartment of an unattended vehicle during daylight hours. We will pay up to $200 for each item and $2,000 in total for all stolen items.	$2,000	$2,000	$2,000	$2,000	$2,000	$2,000
Passports, Credit Cards & Credit Card Fraud^	–––	–––	$2,000	$5,000	$5,000	$5,000
Special Event Transport Expenses	–––	$5,000	–––	$5,000	$5,000	$5,000
Rental Vehicle Excess sub-limits:	–––	$5,000	Optional	Optional	Optional	Optional
Return of Rental Vehicle		$500	$500	$500	$500	$500
Travel Delay Expenses sub-limits:	–––	$2,000	–––	$2,000	$2,000	$2,000
Daily Limit (per person) (we will pay up to $200 for each full 24 hours beyond the initial 6 hour delay)		$200		$200	$200	$200
Delay of Luggage and Personal Effects^	–––	–––	–––	$750	$750	$750
Theft of Cash^	–––	–––	–––	$250	$250	$250

Snow Sports Benefits	Basics	Domestic Plus	Standard Saver	Comprehensive	Snow Sports Plus	Frequent Traveller Saver
Snow Sport Equipment	–––	$1,500	–––	–––	$1,500	–––
Snow Equipment Replacement Hire	–––	$1,500	–––	–––	$1,500	–––
Snow Prepaid Expenses	–––	$750	–––	–––	$750	–––
Snow Resort Closure sub-limits:	–––	$1,000	–––	–––	$1,000	–––
Daily Limit (per person)		$100			$100

COVID-19 Benefits	Basics	Domestic Plus	Standard Saver	Comprehensive	Snow Sports Plus	Frequent Traveller Saver
COVID-19 Overseas Emergency Medical, Hospital & Medical Evacuation Expenses	Unlimited	–––	Unlimited	Unlimited	Unlimited	Unlimited
Funeral/cremation Overseas and/or bringing your remains home (per person)	$20,000	–––	$20,000	$20,000	$20,000	$20,000
COVID-19 Trip Cancellation & Disruption	–––	$3,500	$3,000	$5,000	$5,000	$5,000

Please note: This is only a summary of benefits. Policy terms, conditions, limits, sub limits and exclusions apply to each cover type. Benefit limits shown are for Single and Duo (per person) policies. Pooled Benefits mean that Family policy benefit limits apply for the whole family and are double the corresponding benefit limit under a Single policy, except for certain benefits - please refer to the Product Disclosure Statement for full details. ^Cover under these Benefits are excluded while travelling within Australia.

Top 10 tips for safe travel in Hong Kong

Check Smartraveller.gov.au to make sure the regions you wish to visit are not listed as ‘Do not travel’.
Get a health check-up before you leave home.
Ask your doctor about vaccinations you may need for Hong Kong. These may include DTP (Tetanus, Diphtheria and Pertussis), Hepatitis A and B, and Typhoid.
Make sure you pack suitable clothing for all weather conditions you may encounter.
Familiarise yourself with the local laws, culture and customs.
Check if you require a particular type of Visa for your trip.
Save the phone number and address of the nearest Australian consulate or embassy.
Keep both printed and digital copies of all your travel documents handy.
Register your trip itinerary and contact details with Smartraveller.
Download the Smartraveller app to receive instant travel alerts and warnings.

Example Incidents^~

Todd’s Tummy Troubles

Tom was due to fly home after a holiday in Hong Kong when he came down with a bad case of gastro. After a medical adviser confirmed that he was not well enough to fly, his Fast Cover policy paid for his medical treatment expenses as well as his rescheduled flights, accommodation and related additional expenses at a total cost of over $2,200 AUD.

Pete’s Pickpocketed Phone

35-year-old Pete was out at dinner with friends in Hong Kong when he noticed that his phone was missing from his pocket. He immediately reported the theft to the local police and obtained a written report to submit with his claim, and was reimbursed $730 AUD under the luggage and personal effects benefit of his Fast Cover travel insurance policy.

Traveller Testimonials

Impressed

The insurance was easy to purchase online while easily able to compare different policies which were also reasonably priced. In addition, there were options of the excess you wish to pay should you need to make a claim. I was pleasantly surprised and impressed. I will purchase with them again for sure.

Aimee – Productreview.com.au

Simple To Get And Easy To Claim

I found it very easy to set up my travel insurance policy. I did have to make a claim for a doctor's consultation while travelling and for medication. I paid out of pocket and made my claim when I got home. I found the claims process easy enough to follow and my claim was processed in about four days.

Laura – Compare Travel Insurance

Travel With Insurance Confidence

My husband and I were delayed by weather and missed our connecting flight. Hotel and additional costs were covered by Fast Cover without question. Staff are ALWAYS pleasant and friendly when called for information or quotes. We will continue to use Fast Cover for our travel insurance.

Peta – Compare Travel Insurance

5 steps to buying Fast Cover travel insurance for Hong Kong

Select 'Hong Kong' and follow a few simple steps online for a FREE instant online quote.
Consider the benefits included in each policy.
Select the level of cover that’s right for your holiday in Hong Kong.
Read the Product Disclosure Statement.
Consider the Financial Services Guide.

^#Adventure activities are only covered by this policy if you have paid the additional premium for the Adventure Pack.

^~Traveller details have been changed to protect their privacy. Claims examples are from Fast Cover travel insurance customers from 1 July 2013 to 30 June 2016.

Things you need to know

^* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply.

^# Available with our Comprehensive policies only.

^** No cover is provided for pregnancy, childbirth or related complications unless it is a single, uncomplicated pregnancy up to and including 23 weeks. In any event we will not pay medical expenses for regular antenatal care, childbirth at any gestation or care of the newborn child. Complications mean any secondary diagnosis occurring prior to, during the course of, concurrent with, or as a result of the pregnancy, which may adversely affect the pregnancy outcome.

⁺ Statistics based on 'Travel by Australians' quarterly report for June 2013, 'Tourism Industry Facts & Figures at a Glance' September 2012, Cruise Industry Source Market Report: Australia 2013 and Fast Cover Customers.

² 5% saving is based on the cost of a Duo policy versus the cost of two single policies. Excess reduction discount based on excess reduction cost under a Duo policy versus cost under two single policies. Duo policies do not provide cover for any dependent children.

⁴ Price based on an 18 day Basics policy to South Pacific region for Single traveller aged 50 years old or younger with $200 excess.

⁶ Must be accompanied by a professional instructor or guide.