Compare travel insurance for Hong Kong from £6.10[1]
Key takeaways
The average cost of travel insurance for Hong Kong is £46.23[2]
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 the latest data from the Association of British Insurers:
British residents had to make 574,000[3] claims on their travel insurance in 2023
The average claim amount was £972[4] and the average medical claim £1,750[4]
In contrast, you can find travel insurance to Hong Kong from just £6.10[1]
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:
If you are only visiting Hong Kong, choose single-trip travel insurance and select Hong Kong as your destination.
Combining a holiday in Hong Kong with visits to other countries, perhaps on a backpacking trip?
Single-trip travel insurance can cover multiple countries as long as:
You don’t head home in-between countries. For that you need multi-trip insurance.
You are not away for a long time (policy-dependent, but usually a month). For that, you need backpackers’ insurance.
You might save money by selecting an annual multi-trip travel insurance policy.
This will also cover you for staycations in the UK.
You can get travel insurance with a pre-existing medical condition, but it may be more expensive than a standard policy.
One trip to Hong Kong only
One trip to Hong Kong and other countries
Several holidays throughout the year
Travelling with a medical condition
How much is travel insurance for Hong Kong?
The table shows the average prices paid by our customers for holidays to Hong Kong this year. Average price means 51% of customers paid this amount or less. Cheapest price means 10% of customers paid this price or less.
Cheapest price | Average price |
|---|---|
£6.10[1] | £46.23[2] |
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.
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?
🚩Different travel insurance policies have different inclusions and exclusions. You should always read your documents and check what you're covered for.
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)
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.
Remember your excess!
Your excess is the amount of money you must pay towards any insurance claim you make. It is a fixed amount regardless of the claim size and it is set in advance when you take out your policy.
Increasing your excess can lower the cost of your policy, but make any claims less affordable.
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.
Do I need vaccinations to visit Hong Kong?
🚩 Vaccination recommendations may be different for individuals with specific health conditions. We recommend speaking to your doctor before travelling.
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.
Do I need a visa to visit Hong Kong?
🚩 Visa requirements for a country can change. For the most up-to-date information, check the UK government’s foreign travel advice website.
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.
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
Read our guide to making a claim on your travel insurance.
Find cheap Hong Kong travel insurance with MoneySuperMarket
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Compare travel insurance quotes | Hong Kong cover from just £6.10[1]
