Compare travel insurance for Hong Kong
Compare travel insurance for Hong Kong
Hong Kong’s skyline, completed by towering mountain peaks, is second to none and is just one reason that 65 million visitors went to the Asian metropolis in 2018. Here’s how to find the right travel insurance ahead of your trip.
Why do I need travel insurance for Hong Kong?
Travel insurance is a great idea for any trip, and it’s no different if you’re going to Hong Kong. If you get sick or are injured during your break, private medical treatment will be expensive but could be covered by a travel insurance policy.
Cancellation cover, included as standard within travel insurance policies, could reimburse you for the full cost of your break if you have to cancel, for example, because of family bereavement (or any other reason stated in your policy). That’s why it’s always a good idea to get travel insurance as soon as you book your break.
If you need to cut short your trip, make sure you tell your insurance provider before you head for home. They’ll need to know why you’re making a claim, and they’ll decide whether to pay out for an emergency flight home.
Travel insurance can also give you reassurance that you could replace your favourite gadgets, and other belongings, if they’re stolen, lost or damaged. Check your policy for your single item limit, though, as this is the maximum you can claim for any item that needs to be replaced.
As of 23rd Match 2020, the UK Government announced a series of restrictions to travel, public spaces and gatherings. For a minimum of three weeks, people are being instructed to stay at home whenever possible. For this reason, travel insurance policies purchased from this date, for trips within the UK with a start date before 13th April 2020, will not be valid.
The UK Government also instructed all British tourists and travellers, that are currently abroad, to return to the UK as soon as possible.
As of 17th March 2020, the Foreign and Commonwealth Office (FCO) have advised against all non-essential travel abroad for an initial period of 30 days. This means that any travel insurance purchased from this date, for trips outside of the UK with a start date before 16th April 2020, will not be covered by the provider.
Coronavirus was declared a pandemic on 11th March 2020, so this may also affect your policy, particularly those taken out on or after that date. Please check any existing policies carefully, to find out what you’re covered for.
For more information please see our travel insurance and coronavirus pages.
How much is travel insurance for Hong Kong?
If you’re travelling to Hong Kong, worldwide travel insurance could cost from £10** for a week or £17*** for annual travel, based on Compare the Market data in December 2019.
**50% of people could achieve a quote of £9.95 for worldwide travel insurance for 1 week based on Compare the Market data in December 2019
***50% of people could achieve a quote of £16.45 for for Worldwide multi travel insurance based on Compare the Market data in December 2019
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.
Do I need a visa to travel to Hong Kong?
Hong Kong has its own immigration controls, despite being part of the People’s Republic of China. Brits can visit Hong Kong for up to six months without a visa. However, you will need a visa if you plan to visit mainland China or Hainan Island. The Chinese Embassy has more information on this.
Your passport should be valid for at least one month after the date you leave Hong Kong.
Any other travel tips for Hong Kong?
Vaccinations See your doctor at least four weeks before your trip. They might advise you to get vaccinated for hepatitis A, tetanus and typhoid. Most of these are free via the NHS.
Climate Hong Kong has a sub-tropical climate and can be hot and humid, particularly during summer (June to September). Summer is also typhoon season, so you might face travel disruption during this time.
Time differences Hong Kong is eight hours ahead of Greenwich Mean Time (GMT).
Tipping More customary in Hong Kong than mainland China, tipping still isn’t generally part of the culture (apart from in hotels, where it’s often expected). Leaving a tip at the end of a tour is acceptable.