What kind of travel insurance might I need for Hong Kong?
The kind of cover you need depends on how long you need cover for, and what you plan to do in Hong Kong. The most common types of travel insurance are:
Single trip covers for one short trip, typically of up to 90 days – but make sure you check the terms of the policy
Annual multi-trip If you’re taking more than two trips in a year, then a multi-trip policy may be more cost-effective. Check any limits for the number of days abroad you’re covered for
Backpacker This type of policy could be suitable if you plan to travel for long periods of time, and often to multiple countries, as part of one trip. It tends to offer more cover than standard insurance
When comparing policies, check that any activities you’re planning to do in Hong Kong are covered. This is especially important if you’ll be taking part in extreme sports, like rock climbing or cross-harbour swimming.
If your chosen sport or activity isn’t covered by a standard travel insurance policy, contact the provider to see if they can include it. If they won’t, you might want to shop around for a specialist provider who will offer you the level of cover you need.
Once you’ve found a policy, ensure you keep your insurance provider’s details with you in case you need to contact them during your trip.