# Travel insurance: Five days in Hong Kong, one adult

Indicative premiums from Shenton Insurance Brokers. As of 28 Oct 2026 (Singapore time).

## Assumptions

- One adult aged 18 to 59
- 5 days in Hong Kong, leaving in 30 days
- Single trip, no cruise

## Premiums

Ranked by premium only, lowest first. Commission never affects the order.

| Insurer | Plan | Premium | Excess | As at |
| --- | --- | --- | --- | --- |
| MSIG | TravelEasy Lite | S$16.60 | S$100.00 | 11 Oct 2026 |
| Sompo | Essential | S$19.80 | S$0.00 | 9 Oct 2026 |
| Allianz Travel | Allianz Travel Basic | S$20.00 | S$0.00 | 16 Oct 2026 |
| MSIG | TravelEasy Flex Standard Flex | S$20.00 | S$0.00 | 11 Oct 2026 |
| Etiqa | Tiq Travel Insurance Entry | S$20.47 | S$0.00 | 15 Oct 2026 |
| Etiqa | Tiq Travel Insurance Entry with COVID-19 add-on | S$21.83 | S$0.00 | 15 Oct 2026 |
| HL Assurance | Travel Assured Plus Basic (no COVID-19 cover) | S$22.00 | S$0.00 | 21 Oct 2026 |
| MSIG | TravelEasy Standard | S$25.00 | S$0.00 | 11 Oct 2026 |
| ERGO | ERGO TravelProtect Essential | S$25.68 | S$0.00 | 24 Oct 2026 |
| Sompo | Superior | S$25.80 | S$0.00 | 9 Oct 2026 |
| MSIG | TravelEasy Flex Elite Flex | S$28.60 | S$0.00 | 11 Oct 2026 |
| HL Assurance | Travel Assured Plus Silver | S$29.20 | S$0.00 | 21 Oct 2026 |
| Etiqa | Tiq Travel Insurance Savvy | S$31.95 | S$0.00 | 15 Oct 2026 |
| Zurich | Travel Guard Direct Basic | S$33.00 | S$0.00 | 19 Oct 2026 |
| ERGO | ERGO TravelProtect Standard | S$33.39 | S$0.00 | 24 Oct 2026 |
| MSIG | TravelEasy Flex Premier Flex | S$33.80 | S$0.00 | 11 Oct 2026 |
| Etiqa | Tiq Travel Insurance Savvy with COVID-19 add-on | S$33.98 | S$0.00 | 15 Oct 2026 |
| Allianz Travel | Allianz Travel Silver | S$34.00 | S$0.00 | 16 Oct 2026 |
| FWD | Premium | S$35.72 | S$0.00 | 15 Oct 2026 |
| Great American | Great Travel Insurance Classic | S$37.06 (estimate) | S$0.00 | 17 Oct 2026 |
| MSIG | TravelEasy Elite | S$37.60 | S$0.00 | 11 Oct 2026 |
| QBE | Travel Prestige Standard Plus | S$38.40 | S$0.00 | 19 Oct 2026 |
| HL Assurance | Travel Assured Plus Gold | S$38.80 | S$0.00 | 21 Oct 2026 |
| FWD | Premium with COVID-19 extension | S$39.78 | S$0.00 | 15 Oct 2026 |
| Great Eastern | Basic | S$40.00 | S$0.00 | 17 Oct 2026 |
| EQ Insurance | EQ TravelSafe Basic | S$41.25 | S$0.00 | 19 Oct 2026 |
| Chubb | Economy | S$42.50 | S$0.00 | 19 Oct 2026 |
| Tokio Marine | TM Travel Trust Standard | S$44.00 | S$0.00 | 10 Oct 2026 |
| ERGO | ERGO TravelProtect Deluxe | S$45.57 | S$0.00 | 24 Oct 2026 |
| Etiqa | Tiq Travel Insurance Luxury | S$46.35 | S$0.00 | 15 Oct 2026 |
| Liberty | TourCare Plus Standard | S$46.50 | S$0.00 | 19 Oct 2026 |
| Starr | TraveLead Bronze | S$48.05 | S$0.00 | 19 Oct 2026 |
| Etiqa | Tiq Travel Insurance Luxury with COVID-19 add-on | S$49.28 | S$0.00 | 15 Oct 2026 |
| Allianz Travel | Allianz Travel Platinum | S$49.60 | S$0.00 | 16 Oct 2026 |
| Zurich | Travel Guard Direct Enhanced | S$50.00 | S$0.00 | 19 Oct 2026 |
| Great American | Great Travel Insurance Elite | S$50.14 (estimate) | S$0.00 | 17 Oct 2026 |
| China Taiping | Lite | S$51.00 | S$0.00 | 15 Oct 2026 |
| MSIG | TravelEasy Premier | S$52.80 | S$0.00 | 11 Oct 2026 |
| HL Assurance | Travel Assured Plus Platinum | S$53.20 | S$0.00 | 21 Oct 2026 |
| QBE | Travel Prestige Super Plus | S$54.00 | S$0.00 | 19 Oct 2026 |
| FWD | Business | S$54.65 | S$0.00 | 15 Oct 2026 |
| Tokio Marine | TM Travel Trust Classic | S$55.00 | S$0.00 | 10 Oct 2026 |
| EQ Insurance | EQ TravelSafe Executive | S$55.25 | S$0.00 | 19 Oct 2026 |
| FWD | Business with COVID-19 extension | S$58.71 | S$0.00 | 15 Oct 2026 |
| Singlife | Travel Lite | S$58.93 | S$0.00 | 8 Oct 2026 |
| China Taiping | Economy | S$59.00 | S$0.00 | 15 Oct 2026 |
| Etiqa | Tiq Travel Insurance Pre-Ex Entry | S$61.42 | S$0.00 | 15 Oct 2026 |
| Chubb | Business | S$61.50 | S$0.00 | 19 Oct 2026 |
| FWD | First | S$61.52 | S$0.00 | 15 Oct 2026 |
| Great Eastern | Gold | S$65.00 | S$0.00 | 17 Oct 2026 |
| FWD | First with COVID-19 extension | S$65.58 | S$0.00 | 15 Oct 2026 |
| Income | Classic | S$67.84 | S$0.00 | 19 Oct 2026 |
| UOI | UniTravel Value | S$68.00 | S$0.00 | 19 Oct 2026 |
| Singlife | Travel Lite with COVID-19 add-on | S$69.64 | S$0.00 | 8 Oct 2026 |
| Starr | TraveLead Silver | S$71.73 | S$0.00 | 19 Oct 2026 |
| Great American | Great Travel Insurance Ultimate | S$71.94 (estimate) | S$0.00 | 17 Oct 2026 |
| China Taiping | Business | S$72.00 | S$0.00 | 15 Oct 2026 |
| Tokio Marine | TM Travel Trust Premier | S$72.00 | S$0.00 | 10 Oct 2026 |
| Allianz | Travel Protect Silver | S$73.40 | S$0.00 | 12 Oct 2026 |
| EQ Insurance | EQ TravelSafe Ultimate | S$75.00 | S$0.00 | 19 Oct 2026 |
| India International | i-Journey Classic | S$80.66 | S$0.00 | 19 Oct 2026 |
| MSIG | TravelEasy Pre-Ex Standard | S$81.00 | S$0.00 | 11 Oct 2026 |
| Liberty | TourCare Plus Supreme | S$82.50 | S$0.00 | 19 Oct 2026 |
| Income | Deluxe | S$84.31 | S$0.00 | 19 Oct 2026 |
| Zurich | Travel Guard Direct Supreme | S$85.00 | S$0.00 | 19 Oct 2026 |
| Great Eastern | Platinum | S$88.00 | S$0.00 | 17 Oct 2026 |
| UOI | UniTravel Plus | S$88.00 | S$0.00 | 19 Oct 2026 |
| China Taiping | First | S$90.00 | S$0.00 | 15 Oct 2026 |
| Singlife | Travel Plus | S$91.41 | S$0.00 | 8 Oct 2026 |
| Starr | TraveLead Gold | S$92.49 | S$0.00 | 19 Oct 2026 |
| India International | i-Journey Executive | S$93.74 | S$0.00 | 19 Oct 2026 |
| Etiqa | Tiq Travel Insurance Pre-Ex Savvy | S$95.85 | S$0.00 | 15 Oct 2026 |
| MSIG | TravelEasy Pre-Ex Elite | S$97.00 | S$0.00 | 11 Oct 2026 |
| Income | Enhanced PreX Basic | S$101.38 | S$0.00 | 19 Oct 2026 |
| Chubb | First | S$101.50 | S$0.00 | 19 Oct 2026 |
| Singlife | Travel Plus with COVID-19 add-on | S$104.72 | S$0.00 | 8 Oct 2026 |
| Allianz | Travel Protect Gold | S$114.27 | S$0.00 | 12 Oct 2026 |
| Income | Preferred | S$116.07 | S$0.00 | 19 Oct 2026 |
| Tokio Marine | TM Travel Trust Classic with Pre-Existing Medical Condition cover | S$119.00 | S$0.00 | 10 Oct 2026 |
| UOI | UniTravel Pro | S$122.00 | S$0.00 | 19 Oct 2026 |
| Singlife | Travel Prestige | S$128.12 | S$0.00 | 8 Oct 2026 |
| Income | Enhanced PreX Superior | S$129.02 | S$0.00 | 19 Oct 2026 |
| MSIG | TravelEasy Pre-Ex Premier | S$139.00 | S$0.00 | 11 Oct 2026 |
| Etiqa | Tiq Travel Insurance Pre-Ex Luxury | S$139.05 | S$0.00 | 15 Oct 2026 |
| Singlife | Travel Prestige with COVID-19 add-on | S$142.32 | S$0.00 | 8 Oct 2026 |
| Income | Enhanced PreX Prestige | S$151.55 | S$0.00 | 19 Oct 2026 |
| Tokio Marine | TM Travel Trust Premier with Pre-Existing Medical Condition cover | S$156.00 | S$0.00 | 10 Oct 2026 |
| Singlife | Travel Lite + Pre-existing Medical Conditions add-on | S$161.18 | S$0.00 | 8 Oct 2026 |
| Allianz | Travel Protect Platinum | S$164.12 | S$0.00 | 12 Oct 2026 |
| Singlife | Travel Lite + Pre-existing Medical Conditions add-on with COVID-19 add-on | S$171.89 | S$0.00 | 8 Oct 2026 |
| China Taiping | Business with Pre-Existing Medical Conditions cover | S$216.00 | S$0.00 | 15 Oct 2026 |
| Singlife | Travel Plus + Pre-existing Medical Conditions add-on | S$247.53 | S$0.00 | 8 Oct 2026 |
| Singlife | Travel Plus + Pre-existing Medical Conditions add-on with COVID-19 add-on | S$260.84 | S$0.00 | 8 Oct 2026 |
| China Taiping | First with Pre-Existing Medical Conditions cover | S$270.00 | S$0.00 | 15 Oct 2026 |
| Singlife | Travel Prestige + Pre-existing Medical Conditions add-on | S$297.63 | S$0.00 | 8 Oct 2026 |
| Singlife | Travel Prestige + Pre-existing Medical Conditions add-on with COVID-19 add-on | S$311.83 | S$0.00 | 8 Oct 2026 |

All prices include 9% GST.

These are example prices for the details above. Your own price depends on your answers.

"As at" is the date we read the insurer's published price table. A price with today's date comes from the insurer's live rates.

## Travel insurance for Hong Kong in short

- Cheapest today: MSIG TravelEasy Lite, S$16.60.
- Most insurers price by region: Hong Kong is in their Asia Pacific band.
- Overseas medical cover on each insurer's cheapest plan runs from S$10,000 to S$350,000.

## How the price changes

| Trip | Lowest price | Insurers |
| --- | --- | --- |
| [3 days, one adult](https://shentonbrokers.com/quote/travel?countries=HK&tripType=single&departDate=2026-11-27&returnDate=2026-11-29&adults=1&children=0) | S$12.20 | 22 |
| [7 days, one adult](https://shentonbrokers.com/quote/travel?countries=HK&tripType=single&departDate=2026-11-27&returnDate=2026-12-03&adults=1&children=0) | S$21.00 | 22 |
| [14 days, one adult](https://shentonbrokers.com/quote/travel?countries=HK&tripType=single&departDate=2026-11-27&returnDate=2026-12-10&adults=1&children=0) | S$32.40 | 22 |
| [5 days, a couple](https://shentonbrokers.com/quote/travel?countries=HK&tripType=single&departDate=2026-11-27&returnDate=2026-12-01&adults=2&children=0) | S$33.20 | 22 |
| [5 days, two adults and two children](https://shentonbrokers.com/quote/travel?countries=HK&tripType=single&departDate=2026-11-27&returnDate=2026-12-01&adults=2&children=2) | S$38.00 | 22 |
| A year of trips, Asia Pacific | S$165.60 | |

## Insurers that exclude Hong Kong

No insurer we compare names Hong Kong in its exclusions.

## Travel notes for Hong Kong

- Emergency numbers: Police, fire and ambulance: 999. Police hotline +852 2527 7177. The Hong Kong Tourism Board visitor hotline is +852 2508 1234. (source: Ministry of Foreign Affairs Singapore, https://www.mfa.gov.sg/travelling-overseas/travel-advisories-notices-and-visa-information/hong-kong/)
- Singapore's mission: Consulate-General of the Republic of Singapore in Hong Kong: +852 2527 2212. Duty officer for urgent consular help after office hours: +852 9466 1251. (source: Consulate-General of Singapore in Hong Kong (MFA Singapore), https://hongkong.mfa.gov.sg/consular-services/)
- Medical treatment for visitors: Visitors without a Hong Kong Identity Card pay the non-eligible person rates in public hospitals: HK$2,100 per emergency visit (residents pay HK$400) and HK$7,400 a day as a general inpatient. These rates have applied since 1 January 2026. (source: Hospital Authority, Hong Kong, https://www.ha.org.hk/visitor/fees_and_charges.asp?lang=ENG)
- Weather to plan around: Tropical cyclones can strike from May to November and are most likely from July to September. About 80% of the year's rain falls from May to September, and May to August is hot and humid. (source: Hong Kong Observatory, https://www.hko.gov.hk/en/cis/climahk.htm)

Checked against each source on 2026-10-19.

## Before you go

- MFA's travel advice and visa information: https://www.mfa.gov.sg/travelling-overseas/travel-advisories-notices-and-visa-information/hong-kong/
- 14 of the 22 insurers exclude claims from a trip made against official travel advice.
- MFA's e-Register: https://eregister.mfa.gov.sg/

Get your own quote with these answers filled in: https://shentonbrokers.com/quote/travel?countries=HK&tripType=single&departDate=2026-11-27&returnDate=2026-12-01&adults=1&children=0

You finish buying on the insurer's own site; the insurer takes payment and issues the policy.

Web page: https://shentonbrokers.com/prices/travel/hong-kong