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Hong Kong Travel Insurance from UK

Hong Kong is an iconic global tourist destination. Travelling here you’ll have an overwhelming choice of food and nightlife among the skyscrapers, and still be able to enjoy the cultural heritage and natural parks. So whether you’re visiting Hong Kong Disneyland or the Tian Tian Buddah, you’ll discover that everything is done bigger and better in Hong Kong. 

This is a once in a lifetime holiday spot, so you’ll want to enjoy your time with confidence. Hong Kong travel insurance acts as your safety net, offering help and protection when things go wrong. 

Trip cancellations, lost luggage, or theft can happen anywhere. But with distinct cultural and communication differences in Hong Kong, you could be more likely to make mistakes or be the victim of scams. 

Hong Kong also presents unique risks, including air pollution and theft in crowded places like public transport. By choosing Hong Kong travel insurance, you can protect your health and financial well-being, ensuring peace of mind throughout your journey.

Protect yourself and your holiday with Hong Kong travel Insurance

Cheap Hong Kong Travel Insurance

Considering the expenses of travelling, it’s only natural to want cheap Hong Kong travel insurance for your trip. At Quotezone.co.uk, we offer a hassle-free comparison service with a single, straightforward form that can help you keep costs down.

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How much is insurance for Hong Kong?

There is no one uniform cost for travel insurance for Hong Kong. Your premium will vary depending on several factors that insurers take into account. These include:

• Your age – Younger travellers are usually offered lower premiums as they are less likely to make a claim or need medical attention. 
• Your health – Pre-existing medical conditions can impact costs, and you might need to be covered by a specialist insurer.
• The length of your trip – Longer stays often result in higher premiums.
• Your destination within Hong Kong – Insurers assess the risks associated with your chosen location within the city and adjust your premium to suit the risk.
• Luggage and personal possessions – Bringing valuable items that need higher protection limits can increase your premium.
• Planned activities – Engaging in high-risk activities may require additional coverage.
• The type of insurance you choose – Single trip travel insurance suits one-off holidays, while an annual travel insurance policy benefits you if you travel multiple times a year. backpacker insurance offers cover for longer journeys.

Do I need travel insurance going to Hong Kong?

Although not legally required, travel insurance is highly recommended for Hong Kong visits. It provides essential protection when unexpected events occur, ranging from minor inconveniences like phone theft to major expenses like paying for accommodation during flight delays, or specialised medical treatments

Unlike some European destinations, Hong Kong doesn’t offer emergency medical care for tourists. So if you don’t have a travel insurance Hong Kong policy, any medical treatment that you need during your trip could lead to serious financial consequences.

What will Hong Kong travel insurance cover?

Travel insurance for Hong Kong will be covered by worldwide travel insurance and offers coverage for various aspects of your trip, including:

1. Cancellation and curtailment – Reimburs expenses if your trip is cancelled or shortened due to pre-specified reasons.
2. Delayed and lost baggage – Covers essential items if your luggage is delayed for over a particular number of hours.
3. Medical expenses – Assists with emergency medical treatment which is crucial in light of Hong Kong’s expensive healthcare.
4. Repatriation – Ensures your return to the UK from Hong Kong for medical treatment or transport home in case of your passing.
5. Personal accident – Provides coverage for injuries resulting in death, loss of limb, loss of sight, or permanent disablement.
6. Personal liability – Covers legal damages you might be liable to pay in case of injury to third-party persons or property.
7. Personal property, money, and documents – Protects personal possessions, lost, stolen, or damaged items, with limitations and sub-limits for valuable items.

What is not covered by Hong Kong travel insurance?

It’s crucial to be aware of exclusions when purchasing Hong Kong travel insurance. These include:

1. Undeclared pre-existing medical conditions – Failing to disclose these conditions could invalidate your insurance.
2. Drugs and alcohol use – Injuries or accidents that happen under the influence of substances may not be covered.
3. High-risk activities – High-risk activities like trekking or skydiving often require additional coverage, typically available as an add-on.
4. Unexpected incidents – Events like terrorism, civil unrest, or natural disasters may not be covered, but you can often add this coverage to your policy.
5. Traveling against government advice – Always check the updates from the Foreign, Commonwealth and Development Office (FCDO) website before travelling to Hong Kong.
6. Breaking the law – Claims resulting from illegal activities are generally denied, so it’s essential to know and comply with the laws of Hong Kong during your visit.

Do I need a visa to travel to Hong Kong from UK?

If you’re staying in Hong Kong or Macao, you will not need a visa. However, if you plan to travel elsewhere in mainland China, including the Hainan Islands, a visa is required. You can get these from visa application centres in the UK before you travel. 

What our experts say: 

“While the risk of an accident, illness or other issue while you’re abroad isn’t likely to be the first thing that comes to mind when you’re planning your trip, the truth is that things can go wrong no matter where you are. Travel insurance can offer travellers the peace of mind that they’ll be protected from financial impact if their time away doesn’t go according to plan.” – Greg Wilson, Founder and CEO of Quotezone.co.uk

Your adventure should begin with getting the right Hong Kong travel insurance for you. We’re here to make it easy by quickly comparing quotes from 30 UK travel insurers, so you can enjoy your trip with complete peace of mind.

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