Compare travel insurance for Hong Kong

Hong Kong’s skyline, completed by towering mountain peaks, is second to none. And there’s loads to see and do too – street markets, a Disney resort, towering Buddhas and an Avenue of Stars. Here’s how to find the right travel insurance ahead of your trip.

Hong Kong’s skyline, completed by towering mountain peaks, is second to none. And there’s loads to see and do too – street markets, a Disney resort, towering Buddhas and an Avenue of Stars. Here’s how to find the right travel insurance ahead of your trip.

Coronavirus (COVID-19) update: please check the latest government travel advice that sets out what you need to do, if anything, before you travel abroad and before you return home. You should also check the latest travel advice and entry requirements for each country you visit or transit through. Travel rules can change at short notice, so check the Foreign, Commonwealth & Development Office (FCDO) for the latest information.

Josh Daniels
Travel Insurance expert
minute read
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Last Updated 9 FEBRUARY 2022

Do I need travel insurance for Hong Kong? 

Travel insurance for Hong Kong isn’t compulsory but it could mean that you won’t be out of pocket if, for example, you need medical help or your luggage goes missing.

Customers with more serious pre-existing medical conditions

If you have a serious health condition, the price you pay for travel insurance is likely to be more expensive. However, there are still many providers out there and you should be able to find affordable cover. Whatever happens, don’t be tempted to lie to an insurance provider, because if you do and then need to make a claim, it could be rejected.

When you declare medical conditions on our website, we’ll only show quotes from insurance providers who will cover all declared medical conditions, with no exclusions.

MoneyHelper has launched a directory of insurance providers who may be able to provide quotes over the phone if you have more serious medical conditions. Find more information at MoneyHelper or by calling them on 0800 138 7777.

How much is travel insurance for Hong Kong? 

You’ll need worldwide insurance for Hong Kong, whether you opt for single trip or annual travel insurance

How much you’ll have to pay will depend on: 

  • Your age and health – especially if you have a pre-existing medical condition
  • The length of your trip
  • The sports and activities you’ll be doing
  • The level of cover you want
  • The excess - how much you’re willing to pay towards any claim

What will Hong Kong travel insurance cover? 

A standard Hong Kong travel insurance policy should cover:

  • Medical care – if you become ill or are injured in an accident. It should also cover repatriation to the UK for treatment.
  • Flight cancellations and missed connections – this isn’t included in all policies so check the details.
  • Holiday cancellation cover  – if you have to cancel your trip or cut it short because of an unforeseen emergency such as a death.
  • Damage, loss or theft – if your luggage, valuables or gadgets are lost or stolen, travel insurance could pay out to replace them. Check the excess as well as the overall possessions and single item limit – the maximum your insurance provider will pay out for one item.
  • Covid-19  – this can cover medical expenses and repatriation as well as extended stays or cancellations as a result of coronavirus. Get a travel insurance quote with us and have a look at the covid cover available. Just click the ‘more details’ option on the quote results page.

What won’t Hong Kong travel insurance cover? 

Typical restrictions that could appear in a travel insurance policy for Hong Kong include: 

  • Pre-existing medical conditions that you haven’t declared when you apply for insurance or haven’t been honest about in terms of their severity. Not all providers will cover pre-existing conditions, but specialist policies are available.
  • Injuries or accidents resulting from high-risk activities such as bungee jumping, climbing and scuba diving.
  • Incidents related to alcohol or drugs – some parts of Hong Kong such as Lan Kwai Fong are party towns packed with nightlife spots. If you hurt yourself or lose something as a result of drinking or taking drugs, your claim is likely to be rejected.
  • Terrorism – any cover is likely to be limited.

What else should I consider when I choose my travel insurance for Hong Kong 

When comparing policies, check that any activities you’re planning to do in Hong Kong are covered, such as: 

  • Extreme sports like rock climbing on Tung Ping Chau or paragliding off the Dragon’s Back near Shek-O.
  • Water sports such as kayaking, scuba diving or wakeboarding.
  • Golf - Hong Kong’s golf courses are generally exclusive and expensive, but there are a couple of public courses too. 

If your chosen sport or activity isn’t covered by a standard travel insurance policy, contact the insurance 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.

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. But you’ll 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. 

Details on Covid-19 vaccination and testing requirements for Hong Kong can be found on the GOV.UK website.

Can I get business insurance for Hong Kong? 

Yes, we can help you or your company find business travel insurance for Hong Kong. This can also cover you for equipment like laptops that you need to take with you. You should also be protected for cancelled flights and missed connections. 

Did you know?
Many things are familiar about Hong Kong, including driving on the left-hand side of the road and UK-style three pin electric plugs, which can be handy for phone chargers and other electrical kit.

Any other travel tips for Hong Kong?

  • Vaccinations: see your doctor at least four weeks before your trip for advice on any vaccinations you might need.
  • Climate: Hong Kong has a sub-tropical climate and can be hot and humid, particularly in summer (June to September).
  • Time differences: Hong Kong is eight hours ahead of Greenwich Mean Time (GMT). Flight times to Hong Kong are around 12 hours.
  • Getting around: there’s an efficient train service from the airport into the central area, where you can get a train or taxi to your final destination. The 35.3km journey into the city takes as little as 24 minutes and you can buy tickets online in advance.
  • Tipping: it isn’t generally part of the culture to tip waiting staff or taxi drivers (apart from in hotels, where it’s often expected). Leaving a tip at the end of a tour is acceptable.
  • Currency: the Hong Kong dollar.

Where can I compare Hong Kong travel insurance 

Let us know your requirements and we’ll compare travel insurance deals that help you get the right level of cover at a great price.

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