Compare travel insurance for Hong Kong from £10.91^

Key takeaways

• The average cost of travel insurance for Hong Kong is £51.95 ^{^}

• It can protect you if you have medical emergencies, trip cancellations, lost luggage, and more

• Although Hong Kong is part of the People’s Republic of China, it is a Special Administrative Region with different visa requirements

Do I need travel insurance for Hong Kong?

Holiday insurance is not a legal requirement. But without it you will be personally responsible for paying all the costs if something goes wrong with your trip.

Travel insurance can financially protect you if your holiday to Hong Kong is unexpectedly cancelled, you need medical treatment while travelling, or your valuables are lost or stolen.

According to 2025 data from the Association of British Insurers:

• British residents had to make 500,000+ ^{^} claims on their travel insurance in 2025

• The most common reason for claiming was to cover unexpected medical expenses, with an average insurance payout of £1,528 ^{^}

• In contrast, you can find travel insurance to Hong Kong from just £10.91 ^{^} a day

Major events in Hong Kong, such as Chinese New Year (January to February), the Hong Kong Arts Festival (February to March) and the Dragon Boat Festival (June), can lead to large crowds, increased risk of lost belongings, travel disruption or minor injuries, which may affect travel insurance claims depending on policy terms and circumstances.

What type of travel insurance do I need for Hong Kong?

Hong Kong is typically covered under worldwide travel insurance policies.

The specific type of policy you need depends on your travel plans:

How much is travel insurance for Hong Kong?

The average cost of travel insurance for a single trip to Hong Kong is £34.40 ^{^} . However, the price you pay will vary depending on factors like your party size and how long you are visiting for.

^{The figures in this table are the averages of the costs paid by MoneySuperMarket customers over the last three months.}

Can I get last minute travel insurance for Hong Kong?

Yes, it is possible to get last-minute travel insurance up to the day of your departure, although not all insurance providers will offer this.

You can buy last minute travel insurance through MoneySuperMarket.

Is it cheaper to buy travel insurance closer to my departure date?

No, it is usually more expensive to buy travel insurance last-minute.

If possible you should buy your holiday insurance as soon as you book your trip. That way, you'll be covered if you have to cancel your Hong Kong holiday.

What should my travel insurance policy for Hong Kong include?

Standard travel insurance will usually cover:

• Illness and accidents

• Trip and activity cancellations

• Lost luggage (including your passport)

• Theft

• Repatriation (bringing you home if you are seriously injured, ill, or dead)

• Personal liability (you are responsible for accidentally harming someone or their property)

🚩Different travel insurance policies have different inclusions and exclusions. You should always read your documents and check what you're covered for.

What isn’t covered by travel insurance to Hong Kong?

Typical exclusions include:

• Undeclared pre-existing medical conditions

• 'Unforeseeable' disasters including terrorism, war, strikes, and natural disasters

• Alcohol and drug-related incidents

• Travel to areas advised against by the government (found on the FCDO website)

• Adventure or winter sports

💡 Top tip: You can upgrade your insurance to include add-ons like winter sports , gadget cover and travel disruption cover .

Medical care in Hong Kong

Cover for medical treatment costs is a vital part of travel insurance. Medical treatment in Hong Kong is expensive, so it’s important to have sufficient cover for any costs that illness or injury on your travels might incur.

Can I get travel insurance for Hong Kong if I have a pre-existing medical condition?

Yes, you can get travel insurance cover with a pre-existing medical condition, but it may be more expensive than a standard policy.

A pre-existing condition is any medical issue for which you had symptoms, medication, medical advice, treatment, or tests before you took out your insurance policy. It includes mental health conditions and disabilities .

You must disclose all pre-existing medical conditions. If you don't, your insurer can refuse to pay out for a claim.

You can buy medical travel insurance through MoneySuperMarket.

Do I need vaccinations to visit Hong Kong?

The NHS Fit for Travel website recommends that your regular vaccinations are up to date before you travel to Hong Kong, including your flu and Covid-19 vaccines if you are eligible for these.

There are no vaccines usually advised for travellers to Hong Kong, but you may wish to consider hepatitis A; hepatitis B and tetanus vaccines. Individuals at highest risk may wish to consider the rabies vaccine

Travellers aged nine months or over arriving from a country with a high risk of yellow fever transmission will require a yellow fever vaccination certificate.

🚩 Vaccination recommendations may be different for individuals with specific health conditions. We recommend speaking to your doctor before travelling.

Do I need a visa to visit Hong Kong?

You can visit Hong Kong for up to six months without a visa. It’s worth noting that, although Hong Kong is part of the People’s Republic of China, it is a Special Administrative Region with its own immigration controls.

As such, you should refer to the Hong Kong Special Administrative Region government website for specific advice on entry requirements.

Do I need cover for extreme weather or natural disasters in Hong Kong?

It is worth considering travel insurance that includes cover for extreme weather and natural disasters in Hong Kong.

Although rare, the main travel risks in Hong Kong tend to be due to flooding and landslides during typhoon season. Taking out travel insurance that provides cover for extreme weather that may disrupt your trip is always a wise option.

🚩 Visa requirements for a country can change. For the most up-to-date information, check the UK government’s foreign travel advice website.

What travel insurance do I need to protect my belongings in Hong Kong?

Hong Kong is known as a shopper’s paradise, and if you’re considering a spending spree then you should check you have sufficient coverage for your belongings and baggage .

You can also consider add-ons such as gadget insurance and passport cover , which are not always included as standard.

How do I claim on my travel insurance?

• Report the incident you want to claim for to your insurer as soon as possible

• If something is stolen, report it to the local police within 24 hours and get a report

• Keep records of what has happened, including photos or videos and the contact details of anyone involved

➡️ Learn more: How to make a claim on your travel insurance.

Where can I get cheap travel insurance for Hong Kong?

With MoneySuperMarket you can compare quotes from up to 42 different travel insurers, helping you find the best price for the level of cover you want.

Plus, we offer our travel insurance customers rewards! Get a voucher worth up to £5 ^{^} , a Free Days Out pass worth £180, and much more.

Just sign up to our free SuperSaveClub ^{^} before you buy your travel policy.

💡 Top tip: Looking for travel insurance for another destination? Check out our travel insurance destination guide hub .