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Best Travel Insurance Hong Kong — What to Look Out For

Hong Kong is a cosmopolitan city well-known for shopping, Cha Chaan Teng delights and Disneyland. Unfortunately, the city has been riddled with protests lately and MFA has issued an advisory to defer non-essential travel. If you are still going to Hong Kong, which travel insurance policies should you get?

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Things to Do in Hong Kong

Many Singaporeans work in Hong Kong and travel frequently to the city for work, If you’re going there for leisure purposes, what’s fun to do in Hong Kong?

Hong Kong food

Dim sum & cha chaan teng delights

Hong Kong is well-known for dim sum and cha chaan teng delights. Whether it’s siew mai, har gao, or lor mai gai, the ones in Hong Kong taste amazing, filled with fresh ingredients and seasoned to perfection. Wash it down with hot black tea. Another must-have experience is to sit at a dai pai dong (traditional open-air restaurant) and indulge in yummy wok-and-toss delights, anything from pork noodles to fried seafood dishes.

Hiking in Hong Kong

Hills that offer awesome views

There are many trails in Hong Kong to conquer, the most famous one being The Dragon’s Back Trail. The highest peak is Tai Mo Shan at 957 metres. Going up these hilltop summits will show you a different side to Hong Kong, giving you a bird eye’s view of the islands surrounding Hong Kong city. The great thing is that these hills are relatively easy, and due to their lower altitudes, hiking at those heights are covered by basic travel insurance plans!

Hong Kong theme parks

Disneyland & Ocean Park

Families with children will love the parades, rides and shows in Hong Kong theme parks. Disneyland is a magical kingdom with different zones — Toy Story Land, Fantasyland, Tomorrowland and Main Street USA. Ocean Park Hong Kong is another theme park on main Hong Kong Island, offering fun rides and opportunities to get closer with animals. Take note, however, that both Hong Kong Disneyland Park and Ocean Park have been closed since 26 Jan 2020 to contain the coronavirus spread. There’s no news about when they are opening again.

Will Travel Insurance Cover My Visit to Hong Kong in?

It depends. If there are known events going on and the insurer has issued a cut-off date for claims, you may not be able to claim for trip cancellation or incidents arising from said events.

Protests in Hong Kong 2020

While the demands have changed slightly after the withdrawal of the extradition bill, until today, large-scale protests in Hong Kong are unpredictable and may turn violent. The Ministry Foreign Affairs (MFA)’s latest advice on 31 Dec 2019 is to defer non-essential travel to Hong Kong. Take note that travel insurance providers will not cover unforeseen circumstances that arise as a result of protests, since protests are now known events. This means that if you get injured in the midst of protests, you cannot claim for travel insurance. However, travel insurance providers will still cover for medical expenses or injuries NOT related to the protests.

Coronavirus in Hong Kong 2020

The coronavirus outbreak has been declared a Public Health Emergency of International Concern on 31 January 2020 by the World Health Organisation (WHO). There are currently 24 cases in Hong Kong as of 7 Feb 2020, which is fewer than that of Singapore. Due to its proximity to mainland China, you might be confused if you can claim for trip cancellation. As of right now, travel insurance companies in Singapore have issued notice that claims for trip cancellation for travel policies covering trips to Mainland China (with the exception of Hong Kong, Macau and Taiwan) bought on or after 31 January 2020 will not be entertained. As the situation is still ongoing, do check if official websites of insurance providers to know if Hong Kong will be excluded for claims in the near future.

5 Travel Insurance Plans For Hong Kong

5 Travel Insurance Policies for Travelling to Hong Kong

BenefitFWD PremiumETIQA Basic Hong Leong Travel Insurance Basic MSIG TravelEasy StandardAviva Travel Lite
Medical expenses incurred overseas $200,000 $200,000 $150,000 $250,000 $250,000
Personal baggage & effects $3,000$2,000$3,000$3,000$3,000
Trip cancellation $7,500$5,000$5,000$5,000$5,000
Rental Vehicle Excess CoverNoneNoneNoneNone$500
Policy premium (5-day single trip)$18.72$24.43$22$28.75$32.58

5 Annual Travel Insurance Plans for Hong Kong

Frequently Asked Questions

Is it safe to visit Hong Kong in 2020?

Due to large-scale protests that have been ongoing since June 2019, Singapore’s Ministry of Foreign Affairs has issued a travel advisory for Hong Kong to defer all non-essential travel for your own safety.

However, violent arising from protests are generally not targeted towards tourists. If you must visit Hong Kong for work, you can take necessary precautions and avoid hot spots such as Harbour City at Tsim Sha Tsui, Elements at West Kowloon, Times Square at Causeway Bay, Prince Edward Station at Mong Kok and Lan Kwai Fong in Central.

With the coronavirus community spread in Hong Kong, protect yourself by wearing a mask and practise good hygiene habits such as washing your hands and not touching your face unnecessarily.

When is the best time to visit Hong Kong?

Hong Kong’s weather has 4 seasons and the best time to visit is during autumn (October to December) when the weather is cooling and pleasant for sightseeing.

Summers in Hong Kong (June to September) are hot and crowded, but there are also many festivals going on then.

Do I need a visa for Hong Kong?

Singaporeans can visit Hong Kong for up to 90 days without a visa. Hong Kong’s immigration policy is quite business-friendly, so visitors from over 170 countries can enjoy visa-free entry. If you’re still unsure, check with the Hong Kong Tourism Board.