What is Travel Insurance?

Travel Insurance

Travel insurance is a plan you purchase that protects you from certain financial risks and losses that can occur while travelling. These losses can be minor, like a delayed suitcase, or significant, like last-minute cancellations or overseas medical emergencies.

Many Insurers can arrange medical treatment in an emergency, monitor your care, help replace lost passports, and so much more.

Travel insurance plans recently started to exclude pandemic-related coverage, such as flights and hotels cancelled due to a rise in cases. As a result, the insurance will not cover the costs of cancellations in this case.

What is covered?

Travel insurance has a range of coverage, the insurance will pay for whatever is lost, expenses, accommodation and even medical,due to any reasons bellow:

  • Trip cancellation -Due to a sudden emergency or weather
  • Lost Baggage
  • Travel delay/Missed Connection-(accommodation, expenses and transfer flight will be covered)
  • Baggage delay
  • Lost Passport/Personal cards
  • Medical emergency while travelling
  • Rental Car damage
  • Home care deposit (in case there is a fire or burglary while travelling at home)
  • Personal Liability -A third party injury caused by Policyholder by accident


What should you know?

Travel insurance is designed to protect the insured against unpredictable events, which means it is meant to be bought before an event occurs. Although during Covid times, travel insurance will not cover any travel disturbance caused by Covid-19, due to the rise of the pandemic and changes being too often past 2 years.

Also, it is best to buy the plan when booking the trip so one is eligible for coverages that apply prior to departure. For example, if one gets sick before the flight they will not lose any money and be redeem the travelling costs back.

A regular health insurance provider most likely will not cover medical expenses when travelling out of the country or it may be limited. That means if injured or sick, the medical costs will likely be paid for by you without travel insurance. That’s why Travel insurance can help one save thousands of dollars.



  • Group travel insurance HK- Business travelling

Reasons To Purchase Group Travel Insurance for Your Business

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Business trips are common in various industries, from client meetings, seminars to business conferences. Each trip typically consists of a group of employees travelling together or different employees travelling at different times. Business travel, like any other trip, involves risks. The best solution to travel risks is travel insurance, a policy that offers a safety net when things go wrong during the travelling or at the destination. However, purchasing a group travel insurance package may be better when a business has several employees that travel. Group travel insurance has various benefits and reasons to purchase over multiple individual travel [...]