| Asia | Australia, Brunei, Cambodia, China, India, Indonesia, Japan, South Korea, Laos, Macau, Malaysia, Myanmar, New Zealand, Philippines, Singapore, Taiwan, Thailand and Vietnam
| Worldwide | All destinations excluding: Cuba, Iran, Syria, North Korea, Crimea Region, Donetsk People’s Republic (DNR) Region or Luhansk People’s Republic (LNR) Region
*All journeys must commence from Hong Kong. The price is for reference only. You could get a quote here real time.
#The above information is for reference only. For the full benefit table, please refer to our TravelWise brochure or click Buy Now.
All individuals who successfully purchase TravelWise Insurance can access TravelGuard Travel's worldwide emergency services during emergencies or unforeseen situations. Our advantages include:
To find out more real case studies regarding the AIG Travel emergency assistance centre, please read Travel Insurance Case Study｜AIG Case Study.
| Core coverage | Basic Plan | Standard Plan | Deluxe Plan |
|---|---|---|---|
| Maximum Benefits (HKD) | |||
| 1. Emergency Medical Expenses and Assistance | |||
| 1a. Medical Expenses | $500,000 | $800,000 | $1,000,000 |
| 1b. Emergency Medical Evacuation | Unlimited | Unlimited | Unlimited |
| 1c. Repatriation of Remains | Unlimited | Unlimited | Unlimited |
| 1d. Overseas Hospital Cash | $5,000 | $5,000 | $5,000 |
| 1e. Compassionate Visit | X | $30,000 | $30,000 |
| 1f. Child Guard | X | $30,000 | $30,000 |
| 2. Personal Accident | |||
| 2a. Accident while in a common carrier | $500,000 | $1,000,000 | $1,200,000 |
| 2b. Other accidents | $250,000 | $500,000 | $600,000 |
| 3. Loss of Income Benefit | X | X | $30,000 |
| 4. Journey Cancellation and Interruption | |||
| 4a. Journey Cancellation | X | X | $20,000 |
| 4b.Journey Interruption | X | X | $20,000 |
| 5. Personal Effects | |||
| 5a. Baggage & Personal Effects | X | $8,000 | $10,000 |
| 5b. Personal Money | X | $1,500 | $2,500 |
| 5c. Travel Documents | X | $10,000 | $30,000 |
| 6. Delay Coverage | |||
| 6a. Travel Delay | X | $1,500 | $2,000 |
| 6b. Baggage Delay | X | $600 | $800 |
| 7. Personal Liability | X | $2,000,000 | $2,000,000 |
| 8. Credit Card Protection | X | $20,000 | $20,000 |
| 9. Loss of Home Content | X | X | $3,000 |
COVID-19 Coverage
| 10. Covid 19 Coverage | Basic Plan | Standard Plan | Deluxe Plan |
|---|---|---|---|
| Maximum Benefit (HKD) | |||
| 10a. Medical Expenses, Emergency Medical Evacuation & Repatriation of Remains | $300,000 $150,000 |
$800,000 $400,000 |
$1,200,000 $600,000 |
| 10b. Journey Cancellation (If You or Your Immediate Family Member are diagnosed with COVID-19 prior to departure from Hong Kong) |
$2,000 | $8,000 | $15,000 |
| 10c. Journey Curtailment （If You or Your Immediate Family Member are diagnosed with COVID-19 prior to departure from Hong Kong) |
$2,000 | $8,000 | $15,000 |
| 10d. Out-of-country COVID-19 Diagnosis Quarantine Allowance （If You or Your Immediate Family Member are diagnosed with COVID-19 prior to departure from Hong Kong) |
X | $1,400 ($100 per day) |
$2,800 ($100 per day) |
Optional Benefits - Available for Single-trip Standard Plan and Deluxe Plan ONLY
| Optional Benefits | Maximum Benefits (HKD) |
|---|---|
| 11. Golf Protection | |
| 11a. Golf Baggage | $8,000 |
| 11b. Hire Golf Equipment | $6,000 |
| 11c. Loss of Green Fees |
$2,000 |
| 12. Cruise Vacation | |
| 12a. Additional Journey Cancellation and Interruption | $30,000 |
| 12b. Cruise Cancellation and Interruption | $50,000 |
| 12c. Excursion Tour Cancellation | $10,000 |
| 12d. Satellite Phone Fee | $2,000 |
| 13. Scuba Diving | |
| 13a. Dive Tour | $15,000 |
| 13b. Equipment Hire | $10,000 |
*The above information is for reference only. Please refer to the exact terms and conditions, and exclusion applicable to this table in the policy documents. For the full benefit table, please refer to our TravelWise brochure or click Buy Now.
As soon as you have confirmed your travel route and destination, you should consider purchasing travel insurance. The policy must be purchased before your journey commencement (before you leave an immigration counter in Hong Kong), travel insurance purchased after you departed Hong Kong is considered invalid.
TravelWise annual plan covers all of your trips during the year while trip must commence from Hong Kong with maximum 90 consecutive days per journey.
Yes, TravelWise covers all amateur sporting activities.
Unfortunately, your medical expenses incurred after your return to Hong Kong are not covered. Under your TravelWise single plan, we only pay for medical expenses incurred as follow-up treatment in Hong Kong if you have consulted a Legally Registered Medical Practitioner overseas for the same sickness during the insured trip.
Anyone age 70 or below on the commencement date of the policy. A policy may be purchased by an individual or a family for travel overseas for purpose of leisure and/or business, provided the trip is commences from Hong Kong.
Note : We do not cover any travel to Cuba, Iran, Syria, North Korea, the Crimea region, Donetsk People’s Republic (DNR) Region or Luhansk People’s Republic (LNR) Region.
Please press “Buy Now” above or refer to our TravelWise brochure for premium levels for each plan.
Yes. Cover will automatically be extended up to a maximum of 10 calendar days without paying any additional premium, in the event the journey is being unavoidably delayed. (e.g: Travel Delay and missed departure sections due to fibular fracture, and insured person can provide medical documentation to prove that he/she is not medically fit to travel)
In the event of any emergencies, medical incidents, or fatalities, please call the local emergency number, such as 112, 999 or 911, immediately to ensure the patient is promptly taken to a hospital for treatment. Additionally, please also contact the AIG Travel 24-hour emergency assistance centre at +852 3516 8699 or +60 3 2772 5603 as soon as possible, if feasible.
To ensure timely assistance, please provide the following information to TravelGuard:
Name, phone number, and email address of the caller
Name and location of the insured person
Policy number
Reason for assistance, including the details of the illness or accident
General condition or injury status
Name and phone number of the attending physician
If you are unable to provide all the above information at once, you may submit it later. TravelGuard may ask for additional information to facilitate efficient assistance.
Yes, but you must purchase your Travel Insurance for the whole period (including exchange & leisure travel).
You must take 1 Feb as the inception date/ departure date of your Travel Insurance, and the protection will commence after the insured person passed the Hong Kong Immigration Department counter.
If you are travelling to multiple destinations within the same trip, you can be covered under one policy. Please select the furthest region as listed under our area of coverage.
If the Security Bureau issued a “Red or Black Alert” within 7 days of your journey departure date or during your journey, AIG shall reimburse you in accordance with the following “Journey Cancellation”, “Journey Curtailment” or “Journey Re-arrangement” coverage.
Yes, we will reimburse you the additional road transport fares since earthquake is a natural disaster which has caused the delay or cancellation of your scheduled flight. Please ensure that you submit to us the letter from airline to prove the flight delay/ cancellation.
In the event of loss, written notice of claim should be submitted to AIG Hong Kong within thirty (30) days after the occurrence , together with all relevant documents.
In order to help us to deal with your claims, you should provide all the supporting documents to substantiate your claim. Complete documentation will prevent any delay in your claim assessment as additional time may be required to obtain the requisite information.
Upon receipt of sufficient documents, we will assess your claim accordingly. The result of your claim submission will be sent to you shortly.
For detailed claims procedure, please check travel claims procedure.
