Travel insurance for Hong Kong

Average customer rating: 4.3/5
Written by Tiana Lee-Collins
Reviewed by Adrian Taylor
Updated 14 October 2024

Expert tips for getting travel insurance for Hong Kong

Our travel insurance expert, Adrian Taylor, has some tips for helping you choose a suitable travel insurance policy for your upcoming trip to Hong Kong.

Adrian Taylor
Executive General Manager – General Insurance

Declare pre-existing medical conditions

If you have pre-existing conditions, it’s important to declare them to your travel insurance company when applying for a policy. Depending on your circumstances, your pre-existing conditions may be able to be covered automatically or for an additional premium.

Consider the type of policy you need

Depending on your itinerary and the type of trip, insurers may offer different policies for different needs. While medical-only cover is budget-friendly, it doesn’t come with the same inclusions as a comprehensive policy. Frequent travellers may also prefer an annual multi-trip policy over a single trip policy.

Compare and save

Whether you’re only travelling to Hong Kong, or seeing more of Asia, you can compare travel insurance polices with our online comparison tool. You can search different insurers, prices and policy benefits in just minutes. Simples!

Do I need travel insurance for Hong Kong?

While it’s not compulsory to get travel insurance for Hong Kong, it’s still a good idea to consider getting cover for your trip. Getting travel insurance that covers your trip may provide peace of mind knowing your policy includes cover for things important to you. Travel insurance may reimburse you for losses caused by insured events, instead of having to pay these costs yourself.

What’s included in travel insurance for Hong Kong

Most travel insurance policies will include a few basic benefits, such as a 24/7 emergency assistance service, personal liability cover and medical cover. Further inclusions, as well as higher claim limits, may be included in higher levels of cover.

It’s important to read the Product Disclosure Statement (PDS) before purchasing a policy to understand the inclusions, exclusions, limits and sub-limits. For further information on whether a policy is right for you, refer to the policy wording or the Target Market Determination (TMD).

When taking out a travel insurance policy, these are some of the inclusions you may want your policy to cover.

Medical expenses

Luggage cover

Trip cancellation cover

Optional extras

Important to know

What’s excluded from travel insurance for Hong Kong?

Is Hong Kong safe to visit?

Do I need a visa for Hong Kong?

Meet our travel insurance expert, Adrian Taylor

Adrian Taylor
Executive General Manager – General Insurance

As the Executive General Manager of General Insurance, Adrian Taylor believes in educating customers about the importance of travel insurance so that anyone can kick back and make the most of their time away from home. While no one wants a disrupted holiday, a suitable travel insurance policy can provide a financial safety net for yourself, your belongings and your trip in case things go wrong.

1 Immigration Department – The Government of the Hong Kong Special Administrative Region of the People’s Republic of China. Visit Visa/Entry Permit Requirements for the Hong Kong Special Administrative Region. Updated January 2024. Accessed September 2024.

2 Smartraveller – Department of Foreign Affairs and Trade. Hong Kong. Current as of September 2024. Accessed September 2024.