TL;DR
- Today, 13 insurers price our example Hong Kong trip, from about S$17 to about S$164. That is one adult aged 18 to 59, five days, single trip.
- The gap between the lowest and highest premium is wide. Check what the extra money buys before you look at price alone.
- The things to check are medical cover, trip cancellation, COVID-19 cover and pre-existing conditions.
- Buy as soon as you book. Cancellation cover only helps if the policy is already in place.
- If you travel more than about three weeks a year in total, annual cover usually costs less than buying single trips.
How much does travel insurance for Hong Kong cost?
Short answer: today, our example trip is priced from S$16.60 to S$164.12 across 13 insurers. That example assumes one adult aged 18 to 59, five days in Hong Kong, leaving in 30 days, on a single trip with no cruise.
These are today's example prices, not what you will pay. Your own quote changes with your age, your dates, who goes with you and the plan level you pick. You can see the full spread on the Hong Kong prices page.
What it depends on: mainly your age, how many days you are away and whether you are going alone or with family.
Why is there such a big gap between the lowest and highest premium?
Short answer: the plans at the top usually pay out more. Most insurers sell two to four plan levels. Higher levels pay more for medical bills, cancellation and lost bags.
Our results list plans from the lowest premium up. Next to each one, we show the three benefits that differ most between them. So the ranking tells you what costs least, not what fits you.
What it depends on: how much you have prepaid for flights and hotels, what you are carrying in your bag, and how much medical cover you want. Those limits differ between plans, so the comparison page is where to line them up.
What should I check on a plan for this trip?
Short answer: start with medical cover, then cancellation, then the rest. Here is what travel insurance of this kind generally covers:
- Medical treatment and hospital stays overseas. This is the part that matters most if something goes wrong.
- Emergency evacuation and repatriation. This is getting you moved or brought home if you cannot travel normally.
- Trip cancellation and shortening. This pays back what you cannot get back, for reasons the policy covers, such as illness or a death in the family.
- Lost or damaged baggage and belongings.
- Travel delays and missed connections.
The exclusions are just as worth reading. Plans generally do not cover places the Ministry of Foreign Affairs (MFA) advises against. They also leave out losses while you are under the influence of alcohol or drugs. Belongings left unattended in a public place are usually excluded too, so a phone left on a cafe table while you queue may not count.
What it depends on: the limit for each benefit differs between plans. Compare the medical and cancellation limits side by side rather than assuming they match.
Does it cover COVID-19 and conditions I already have?
Short answer: COVID-19 usually yes, pre-existing conditions usually no. Most plans now include COVID-19 cover for medical bills and cancellation. Prices on our site include it unless you choose Not needed in the filters.
Pre-existing medical conditions are a different story. A condition you had before buying is not covered unless you declare it and the insurer accepts it. A few plans do cover them, mostly on shorter single trips. You can find those with the filter on the results page.
What it depends on: your condition and what the insurer accepts when you apply. If you have asthma, diabetes or a heart condition, for example, check this before you look at price.
Does trip length or who travels change the price?
Short answer: yes, both do. Single-trip prices rise with the number of days you are away.
You can see this across our other example trips today. A long weekend in Malaysia starts from S$11.40. A week in Thailand starts from S$17.15. Two weeks in Japan starts from S$36.40. These are different destinations too, so it is not a pure length comparison, but the pattern is clear.
Who travels matters as well. Insurers charge less for children and more for older travellers. Some stop covering travellers above 75, 80 or 85. A family plan for two adults and their children usually costs less than separate plans. For couples, families and groups, we price plans from the insurers that offer them.
What it depends on: everyone's age, and whether your group fits a family or group plan. The insurer confirms your age when you apply.
Single trip or annual cover if I fly to Hong Kong often?
Short answer: it depends on how many days you are away in a year. If you travel more than about three weeks a year in total, an annual multi-trip plan usually costs less.
For comparison, a year of trips in Asia for one adult is priced today from S$189.50 to S$905.27 on our annual Asia example. Annual cover covers every trip in the year, each up to a set length, often 90 days. One trip means one departure from Singapore and one return.
With annual cover you pick a region instead of countries: ASEAN, Asia Pacific or worldwide. Pick the region that covers the furthest place you expect to go, and check that it includes Hong Kong.
What it depends on: add up your trips. A few work trips plus a year-end holiday can pass three weeks faster than you think.
When should I buy, and how do claims work?
Short answer: buy as soon as you book. Trip cancellation cover starts the day you buy. A plan bought early pays out if you fall ill or a family member dies before you leave, for covered reasons. A plan bought the day before you fly gives you none of that time.
When you pick a plan with us, you finish buying on the insurer's own site. The insurer collects payment and issues the policy, so claims go to the insurer too. Claims of this kind generally need receipts and reports, so keep them. Our Claims page explains how that works.
What it depends on: your booking date. If you have already booked flights or a hotel, the clock on cancellation cover only starts once the policy is bought.
What to do next
- Look at today's spread of premiums on the Hong Kong prices page.
- Get a quote with your own dates, ages and travellers on the travel insurance page.
- Put two plans side by side on the compare page, and read the Claims page before you buy.