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Travel Insurance

Features and benefits

Travel insurance helps reduce the financial burden that could be ours if we suffer from some unexpected accidents or mishaps during our travels.

Various forms exist, such as:

Needless to say, you will not be covered for pre-existing conditions although some insurers may not regard a medical condition as pre-existing if it is under control.

Depending on the insurer and plan, “Travels” may begin:

Likewise, depending on the insurer and plan, “Travels” may end on your return to your home country or for some time after you return, especially if you need follow-up medical treatment.

In terms of both the amount and frequency of travel insurance claims, they occur in roughly the below percentages:

Coverage Percentage share of travel insurance claims
Medical 50%
Lost / Damaged bags
and other property
25%
Other 25%

If you already have some form of medical cover, you may not need the medical component in your travel insurance plan.

However, there is no option to simply choose what elements of a plan that you really need! (Many who have medical insurance that has a deductible will use travel insurance as a means of paying for the deductible.)

Although there are some travel plans that cover only emergency medical expenses, most will also cover such things as:

The important thing to remember about travel insurance that you take for a particular trip or to cover you for a year or so, is that such plans do not guarantee renewal.

It is completely up to the insurer whether or not to offer you renewal and should you have cost them a substantial amount, there is little chance you will be offered renewal. (There are a few insurers that will guarantee renewal for two or three years.)

Bear in mind also, that different insurers will have different ‘age at entry rules’ and exclusions related to risky pastimes or sports.

COVID-19 cover

Most, but not all insurers now cover medical costs for Covid treatment. More details in our FAQs.

For flight cancellations / trip curtailment / baggage delay etc the conditions under which you can claim vary between insurers. Most commonly you will find that flight cancellation due to contracting Covid 19 is covered.

For all terms and conditions, please refer to the specific benefit table or get in touch with us.

Compare products

Travel insurance comparison

AIG TravelSafe Insurance

Key Features:

  • Up to HK$ 1,800,000 COVID-19 medical Coverage
  • Journey Cancellation or Curtailment up to HK$ 40,000
  • Up to HK$ 1,500,000 overseas medical expense coverage
  • Unlimited coverage of Emergency Medical Evacuation and Repatriation of Remains
  • Up to HK$ 300 compensation for every 5 hours travel delay
  • Up to HK$ 50,000 for early return home (Curtailment) expenses
  • Up to HK$ 2,000 for missed connection expenses
  • Accidental loss or damage mobile phone / Tablet Computer or Laptops ( sub limit for mobile phone/ Tablet is HK$ 3,000 & Laptop is HK$ 15,000 max)
  • Up to HK$ 3,000,000 personal liability coverage
  • Up to HK$ 12,000 Car rental excess and return cost
  • Marathon, skiing, hot air balloon, scuba diving, trekking (below 3,000 m) etc

Trip Duration:

  • Single trip maximum 182 days
  • Annual multi trip maximum 90 days per trip

*** Journeys must depart from Hong Kong***

Three Types of Plans:

  • Mainland China & Macau plan (Maximum coverage up to HK$ 350,000)
  • Worldwide Gold (Maximum coverage up to HK$ 1,200,000)
  • Worldwide Platinum (Maximum coverage up to HK$ 1,500,000)

COVID-19 Coverage:

As the risk of contracting Covid 19 is now. a fact of daily life, AIG includes coronavirus protection in the basic coverage.

SO, if you contract Covid 19 during your journey and are forced to quarantine, TravelSafe will provide allowances for reasonable and necessary quarantine-related expenses, such as meals and accommodation. Nonetheless, under the occasion mandatory quarantine policy or home quarantine measures are known at the travel destination, this is not covered by the insurance.

Other highlights of the cover for Covid 19 are as follow

  • a. Medical Expenses, Emergency Medical Evacuation and Repatriation of Remains

Up to HK$1,800,000 COVID-19 Medical Coverage

  • b. Journey Cancellation

For non-refundable travel and or accommodation expenses if you or your immediate family member contract COVID-19 before

your scheduled trip departure date. Up to HK$ 40,000 coverage.

  • c. Journey Curtailment

For non-refundable trip costs and additional travel costs to return to Hong Kong if you or your immediate family member contract

COVID-19 while traveling internationally. Up to HK$ 40,000 coverage.

  • d. Out-of-country COVID-19 Diagnosis Quarantine Allowance

Up to HK$5,600 (per day HK$400)

AIG’s TravelSafe travel insurance provides comprehensive protection for your journey and is one of the best travel insurance packages available in Hong Kong and is the only one of which we are aware, that offers various extensions to cover for the two higher grades of cover, ie the Standard and Deluxe plans, ie:

  • Golf
    • Golf Baggage (up to HK$ 8,000)

      Reimburse for the theft of or damage to Insured Person’s Golf Baggage during the Journey

    • Hire Golf Equipment (up to HK$ 6,000)

      Reimburse the Insured Person for the cost of hiring Golf Equipment if the Insured Person’s Golf Equipment is lost, stolen or damaged during the insured Journey

    • Loss of Green Fees (up to HK$ 3,000)

      Reimburse the Insured Person for the amount of any green fees or golf tuition fees or any fees for hiring any Golf Equipment in connection with such golf course or tuition forfeited in the event the Insured Person not being able to take part in or use such golf course or tuition during the insured Journey due to the Serious Injury or Serious Sickness of the Insured Person

  • Cruises
    • Additional Journey Cancellation and Interruption

      The Maximum Benefit of the Journey Cancellation and Journey Interruption shall be increased by HK$30,000

    • Cruise Cancellation and Interruption (up to HK$ 50,000)

      Reimburse for forfeiture of payments made for the cruise tour and/or additional and reasonable travel fare incurred to go to the next scheduled destination of the cruise tour, for the purpose of re-joining the cruise tour in the event that the Common Carrier in which the Insured Person has arranged to travel to board the cruise is delayed for at least eight (8) hours from the scheduled arrival time specified in the itinerary due to inclement weather, natural disasters, equipment failure, hijack or strike by the employees of the Common Carrier

  • Scuba Diving
    • Dive Tour (up to HK$15,000)

      Pay proportionate loss of the Insured Person’s irrecoverable dive tour costs paid or contracted to be paid prior to the insured Journey if the Insured Person is certified by a Qualified Medical Practitioner as being unfit to dive due to Sickness or Injury during the insured Journey

      If the Sickness and Injury occurred during diving, the Insured Person shall be diving:

      • Under the direction of an accredited diving instructor or dive guide and up to depths of 18 metres; or

      • Within the maximum depths for which they are certified to dive by an accredited diving instructor

    • Equipment Hire (up to HK$10,000)

      Reimburse the costs of hiring Diving Equipment as a result of the accidental loss, theft of, damage to or temporary loss in transit for more than 12 hours of the Insured Person’s Diving Equipment during the insured Journey

AIG covers your medical costs should you have an accident or suffer illness while on holiday worldwide, along with any losses arising from your trip being cancelled or your journey being delayed. AIG also covers loss of your baggage or personal belongings, as well as all other risks related to your travelling experience.

TravelSafe holiday insurance comes with AIG Travel Assistance, the worldwide emergency service from AIG, which gives you 24/7 access to a dedicated team of multi-lingual staff of doctors, nurses, medical professionals and security personnel, who can respond to your needs in the event of an emergency.

Claim procedure:

Please inform us directly. We will advise you the next steps.

CONTACT US:

We at Navigator are always on hand 24/7 to assist:

Call or WhatsApp:

  • Clive Wolstencroft : +852 9833 7335
  • Romi Gill : +852 9094 8602
  • Robin Brown : +852 5917 2530

Our 24-hour emergency hotline: 2530 2530

AIG's 24-hour emergency hotline 3666 7090

*Policy Brochure/Policy Wording/ Application form/ Claim form attached*

Download all as zip

AXA SmartTraveller Plus

AXA's SmartTraveller Plus travel protects you by providing:

  • High medical expenses and personal accident cover up to HKD 2,000,000
  • Personal Liability cover up to HKD 5,000,000
  • Relaxed age limit: For single journey, at least 30 days old to no upper age limit ; For annual journey; between 30 days old to 75 years old
  • Cover for mobile phone, laptop computer, and tablet computer.
  • Cover for amateur sports i.e scuba diving, skiing, snowboarding, snorkeling, bungee jumping etc
  • Cover for self-driving tour.
  • Cover the motor insurance policy's excess or deductible if the rental car is stolen or damaged in a collision or during parking.
  • One way cover for single journey only. The maximum coverage up to 7 days.
  • All-round cover for travel delays - From unused or extra accommodation /transport expenses to forfeited museum or theme park tickets.
  • Cover for medical expenses you may incur by sickness or accidental injury abroad, as well as what you spend on follow-up medical treatments within 3 months after returning to Hong Kong.
  • Whether you take one trip that lasts 360 days or multiple trips in a year (at no more than 90 days per trip), AXA has the right solution to make sure you always travel safely.
  • Cover for your baggage and personal effects from losing your luggage to replacing your passport.

Extention Journey Duration:

  • For single journey, the duration is up to 360 days. incase you are unavoidably delayed returning back to HK then AXA will automatically extend the period of insurance up to 10 days for free.
  • For annual cover, each trip is up to 90 days, and unlimited number of trips in 365 days

Three types of plans:

  • Basic Plan (Maximum coverage up to HKD 500,000)
  • Advance Plan (Maximum coverage up to HKD 1,200,000)
  • Prestige Plan (Maximum coverage up to HKD 2,000,000)

*** Journeys must depart from Hong Kong***

Added Extras:

Your child* will get free coverage. *Children should be aged 30 days or more and under 18 years old and named in the same travel insurance policy schedule as their parent(s). The children must also be travelling with their parent(s) for the entire journey. Your child will get medical coverage maximum up to HK$ 500,000 free of charge. Once child will be charged at adult's premium they will get full coverage maximum up to HK$ 2,000,000.

Claim procedure:

Please inform us directly. We will advise you the next steps.

CONTACT US:

We at Navigator are always on hand 24/7 to assist:

Call or WhatsApp:

  • Clive Wolstencroft : +852 9833 7335
  • Romi Gill : +852 9094 8602
  • Robin Brown : +852 5917 2530

Our 24-hour emergency hotline: 2530 2530

AXA's 24-hour emergency hotline 2523 3061

*Policy Brochure/Policy Wording/ Application form/ Claim form attached*

Download all as zip

Allied World JourneyGuard

At odds with the market, Allied World will not provide cover under its travel insurance policies for any claims related to, directly or indirectly, Covid-19, regardless of the place of travel for all travel policies purchased (for single trip policies) or for journeys commencing (for annual policies) on or after 12 am (midnight) on 12 March 2020.

Key Features:

Cover for:

  • Terrorism and war cover whilst travelling overseas
  • Double indemnity when travelling in a public conveyance
  • Cover for popular amateur sports and activities i.e Scuba diving/ Skin diving, Rafting, Water skiing, Sky walking, Skiing and Winter sports, Horse riding, Yachting etc.
  • New covers include:
    • Loss of frequent flyer points due to trip cancellation
    • Fraudulent use of credit card
    • Emergency purchase of phone charger due to travel delay
    • Cancellation due to insolvency of travel agent
  • No excess applies
  • 24-hour Worldwide Assistance Service
  • Automatic extension up to 10 extra days

Duration:

  • Maximum 180 days each trip for Single Travel
  • Maximum 90 days each trip for Annual Travel

Two types of Plans:

  • Plan I (Maximum coverage up to HK$ 500,000)
  • Plan II (Maximum coverage up to HK$ 1,000,000)

Claim procedure:

Please inform us directly. We will advise you the next steps.

CONTACT US:

We at Navigator are always on hand 24/7 to assist:

Call or WhatsApp:

  • Clive Wolstencroft : +852 9833 7335
  • Romi Gill : +852 9094 8602
  • Robin Brown : +852 5917 2530

Our 24-hour emergency hotline: 2530 2530

Allied World's 24-hour emergency hotline 2968 3333

*Policy Brochure/Policy Wording/ Application form/ Claim form attached*

Download all as zip

Starr TraveLead

Key Features:

  • Medical expenses up to HK$ 1,500,000 including in and outpatient treatments
  • No sublimit or restrictions on outpatient expenses and number of visits
  • No co-payment or deductible
  • Extend to cover rental car excess up to HK$ 5,000
  • Trip curtailment up to HKD 50,000
  • Outbound Travel Alert (OTA) free upgraded extention for single trip & annual trip
  • Reimburse for unrecoverable travel and/or accommodation expenses upon trip cancellation due to OTA [ Amber alert 25% , Red alert 50% and Black alert 100%)

Three types of Plans:

  • Essential (Maximum coverage up to HK$ 500,000)
  • Extra (Maximum coverage up to HK$ 1,000,000)
  • Supreme (Maximum coverage up to HK$ 1,500,000)

*** All trips must departure and return to Hong Kong***

Duration:

  • Maximum 180 days each trip for Single Travel
  • Maximum 90 days each trip for Annual Travel

Claim procedure:

Please inform us directly. We will advise you the next steps.

CONTACT US:

We at Navigator are always on hand 24/7 to assist:

Call or WhatsApp:

  • Clive Wolstencroft : +852 9833 7335
  • Romi Gill : +852 9094 8602
  • Robin Brown : +852 5917 2530

Our 24-hour emergency hotline: 2530 2530

Starr's 24-hour emergency hotline 3765 5566

*Policy Brochure/Policy Wording/ Application form/ Claim form attached*

Download all as zip

Blue Cross TravelSafe plus

Key Features:

  • Worldwide Medical Expenses and Personal Accident benefits up to HK$1,200,000 each
  • Follow-up Medical Expenses incurred within 90 days after returning to Hong Kong including all treatments rendered by a Chinese Medicine Practitioner
  • 24-hour Worldwide Emergency Aid services including unlimited coverage for emergency evacuation and repatriation to Hong Kong (such expenses will not be deducted from the benefit amount under Medical Expenses Benefit)
  • Comprehensive Outbound Travel Alerts Extension covering Amber, Red and Black Travel Alerts
  • Coverage for leisure and non-professional sports activities including skiing and other winter sports, diving, parachuting, bungee jumping, hiking, and all water sports
  • COVID-19 Travel Protection with “Free Vaccine Cash Allowance” up to HK$10,000
  • “Mobile Phone Extension”
  • Flight Delay Cash Allowance Extension with Auto-claim Service(registration is required)
  • No maximum insurable age limit
  • No deductible for all benefits
  • Extension of coverage up to 10 days for unavoidable trip delay.

Four types of Plans:

  • China Basic Plan (Maximum coverage up to HK$ 250,000)
  • Global Gold Plan (Maximum coverage up to HK$ 500,000)
  • Global Diamond Plan (Maximum coverage up to HK$ 1,000,000)
  • Global Cruise Plan (Maximum coverage up to HK$ 1,200,000)

*** All trips must departure and return to Hong Kong***

Duration:

  • Maximum 180 days each trip for Single Travel
  • Maximum 90 days each trip for Annual Travel

Claim procedure:

Please submit travel insurance claims via Smart eClaims at Blue Cross HK App or Blue Cross Website, or complete the Travel Insurance Claim Form and return to us within 30 days from the date of expiry of the insurance policy unless otherwise specified in the policy terms and conditions.

CONTACT US:

We at Navigator are always on hand 24/7 to assist:

Call or WhatsApp:

  • Clive Wolstencroft : +852 9833 7335
  • Romi Gill : +852 9094 8602
  • Robin Brown : +852 5917 2530

Our 24-hour emergency hotline: 2530 2530

Blue Cross's 24-hour emergency hotline 3608 2932

*Policy Brochure/Policy Wording/ Application form/ Claim form attached*

Download all as zip

From 1 July 2021 Bupa Global is no longer selling travel insurance.

In our view, the closest comparable products in the market are available from VUMI.

CONTACT US:

We at Navigator are always on hand 24/7 to assist:

Call or WhatsApp:

  • Clive Wolstencroft : +852 9833 7335
  • Romi Gill : +852 9094 8602
  • Robin Brown : +852 5917 2530

Our 24-hour emergency hotline: 2530 2530

Chubb TravelWell Protection

Chubb TravelWell Protection -Single Trip Plan and Annual Multi-trip plan, cover losses or expenses with respect to COVID-19 on Medical Expenses, Emergency Medical Evacuation and/or Repatriation, Trip Cancellation etc. Note, COVID-19 coverage does not apply to any cruise journey, except for Cruise-to-nowhere Journeys.

Key Features:

  • Medical expenses up to HKD 1,200,000
  • Personal Accident up to HKD 2,000,000
  • Personal accident for insured person's age below 18 years or above 75 years is HKD 500,000
  • Single trip can end up anywhere in the world and coverage limit maximum up to 180 days
  • Coverage including "Red Alert", and "Black Alert" under Trip Cancellation and Trip Curtailment
  • Cover leisure activities during the journey, including hot air balloon, parachuting, skiing and water sports.
  • Rental vehicle excess benefits up to HKD 5,000
  • Trip Curtailment up to HKD 40,000
  • Personal Liability up to HKD 3,000,000

Age limit for Single trip:

  • Individual plan age limit: 0-79 years of age on the frist day of the Period of Insurnace
  • Family plan age limit: Adult 18-64 years of age and Children 0-17 years of age on the frist day of the period of Inaurance

Age limit for Annual trip:

  • Individual plan age limit: 18-75 years old
  • Couple plan age limit: 18-64 years old
  • Family plan age limit: Couple 18-64 years old, Children 90 days-17 years old

Duration:

  • Maximum 180 days each trip for Single Travel
  • Maximum 90 days each trip for Annual Travel

There are 5 types of Single trip plan and 3 types of Annual trip plan.

Single Trip Plans:

  • Premier Plan Asia Pacfic / Worldwide (medical expenses cover up to HKD 1,200,000)
  • Smart Plan Asia Pacfic / Worldwide (medical expenses cover up to HKD 600,000)
  • Guangdong & Macau Plan (medical expenses cover up to HKD 300,000)
  • Cruise Worldwide Plan (medical expenses cover up to HKD 1,500,000)
  • Cruise Asia Plan (medical expenses cover up to HKD 1,200,000)

Annual Trip Plans:

  • Worldwide -Plan 1 (medical expenses cover up to HKD 1,500,000)
  • Worldwide -Plan 2 (medical expenses cover up to HKD 1,200,000)
  • Worldwide -Plan 3 (medical expenses cover up to HKD 600,000)

Claim procedure:

You may report the travel claim online: https://www.chubbclaims.com/ace/hk-zh/welcome.aspx

Or, please contact us directly at 2530 2530

CONTACT US:

We at Navigator are always on hand 24/7 to assist:

Call or WhatsApp:

  • Clive Wolstencroft : +852 9833 7335
  • Romi Gill : +852 9094 8602
  • Robin Brown : +852 5917 2530

Our 24-hour emergency hotline: 2530 2530

Chubb's 24-hour emergency hotline 3191 6611

*Policy Brochure/Policy Wording/ Application form*

Download all as zip

Cigna Hong Kong

Does not offer travel insurance

Cigna US

Medical Benefits Abroad (MBA)

Cigna US’s MBA product covers your staff for unexpected illness and injury that may occur while they are traveling on an approved business trip (outside their country of residence or permanent assignment).

The MBA plan provides quality health care benefits that cover:

› Hospital admissions, surgeries, out-patient medical care and ambulance services for emergency medical treatment.

› Prescription drugs and replacement medicine forlost prescriptions that are medically necessary.

› Dental emergencies(for a sound natural tooth) or alleviation of sudden dental pain.

› Medical evacuations for employees who require immediate medical attention and adequate facilities are not locally available.

Using CIGNA’S dedicated travel website :www.cignaenvoy.com, employees gain access to Cigna's global directory to find pre-screened health care professionals and facilities whenever they need them – even before they need care. What’s more, they can identify health care professionals and facilities that bill Cigna directly. Then your employees can simply present their Cigna MBA ID card at the time of service.

And if your staff do need to pay first, they can then submit MBA claims directly through Cigna Envoy’s MBA portal.

All registered users can file an online claim by following easy step-by-step directions.

In addition, MBA customers can also access ePayment Plus®, a payment method that services Cigna's existing electronic payment options, such as Electronic Funds Transfer, available in the U.S.

Img itravelinsured

International Medical Group is an award-winning provider of global insurance benefits. IMG offers a full line of international medical insurance products, as well as trip cancellation programs, stop loss insurance, medical management services and 24/7 emergency medical and travel assistance.

IMG offers a range of what it distinguishes as *Travel Medical' and *Travel Protection insurance products.

IMG's travel protection plans include:

  • iTravelInsured Travel Lite,
  • iTravelInsured Travel SE, and
  • iTravelInsured Travel LX,

that provide varying levels of coverage for trip cancellation, baggage delay, trip interruption, medical benefits, and many other travel-related events and expenses.Travel Insurance may provide coverage* for items such as:

  • Trip cancellation
  • Travel delay
  • Trip interruption
  • Baggage and person effects
  • Emergency medical evacuation
  • Accident and sickness medical expenses

Cancellation cover

If you’re looking for “Cancel for Any Reason” coverage or to insure a luxury trip, then iTravelInsured Travel LX is the plan for you.

iTravelInsured Travel LX offers the option to cancel your trip regardless of the circumstances.

However, if you’re looking for more standard cancellation benefits, such as if an immediate family member falls ill and you need to cancel, then the iTravelInsured Travel SE and iTravelInsured Travel Lite plans may be the right plans for you.

Travel Medical insurance is primarily used for short term medical coverage when you are traveling outside of your home country. Your domestic medical insurance plan often does not provide coverage for you in foreign countries.

Patriot America plus is a good plan for non-US residents who are travelling to USA. Patriot America Lite and Platimum plan can be a choice if you are travelling inside and outside of the USA. If you are looking for Covid 19 coverage in USA then Patriot America Plus and Patriot America Platinum will be a option for you.

CONTACT US:

We at Navigator are always on hand 24/7 to assist:

Call or WhatsApp:

  • Clive Wolstencroft : +852 9833 7335
  • Romi Gill : +852 9094 8602
  • Robin Brown : +852 5917 2530

Our 24-hour emergency hotline: 2530 2530

IMG's 24-hour emergency hotline +1 317 655 9796

Download all as zip

QBE TravelOn

Basic benefits:

  • Medical expenses
  • Compensation for loss of or damage to baggage, personal effects, money, or travel documents
  • Travel inconvenience including trip cancellation and curtailment expenses, baggage and travel delay, trip re-route
  • 24-hour worldwide emergency assistance services include:
    • Compassionate visit
    • Emergency medical evacuation and/or repatriation
    • Hospital admission guarantee
    • Hotline and referral services
    • Repatriation of mortal remains
    • Return of unattended children
    • Convalescence assistance
  • Personal accident and compassionate cash relief for death
  • Personal liability
  • Hospital and quarantine allowance
  • Rental vehicle excess

Extra benefits:

  • Cash allowance for delay or interruption caused by aircraft hijacking
  • Credit card protection to cover unsettled balance on purchases made during the trip in case of accidental death
  • Emergency cash for stay behind expenses due to loss of travel documents
  • Home contents protection due to burglary to home during the trip
  • Hotel accommodation if the insured is unable to return from the airport to home after the trip
  • COVID COVER: Cover for medical expenses and trip cancellation insurance coverage to insured persons who contract COVID-19 after being vaccinated with at least one vaccine that is approved by the government, subject to terms and conditions.

Annual Travel Insurance

  • No restriction on the number of trips in a year

Single Trip Travel Insurance

  • Provides 3 different levels of coverage designed to meet their different needs including round trip and one way travel

China Medical Card

  • Medical expenses
  • Personal accident
  • Personal liability
  • 24-hour emergency assistance service

Download all as zip

PACIFIC CROSS Bon Voyage Travel Plan

Key Features:

  • Travel plans cover medical condition caused by coronavirus/COVID-19 as long as it is not pre-existing.
  • Bon Voyage coverage trip cancellation or curtailment due to COVID is not covered
  • Medical expenses maximum Up to US$ 100,000
  • Hospital cash allowance up to US$ 1000
  • Baggage & Personal effects up to US$ 1,000
  • Loss of laptop computer is limited to US$ 500
  • Baggage Delay up to US$ 250
  • Emergency purchases of essential items of toiletries and clothing up to a maximum of US$ 65 per article when the checked baggage is delayed for at least 12 hours from the time of arrival at destination.
  • Travel delay up to US$ 800
  • Curtailment of trip & cancellation charges US$ 6,500
  • Rental car protection benefits up to US$ 25,000 (for adult between 23 and 75) ; Deductible US$ 500
  • Maximum trip up to 180 days

Pacific Cross Annual Plan

Key Features:

Whenever you travel abroad coverage begins automatically, for up to 90 days per trip. No deductible for all benefits (except optional Car Rental Protection). Provides cover for winter sports, trekking, scuba diving, rafting, bungy jumping and various aquatic sports with no additional premium. Baggage & Personal Effects cover extends to laptop computers. Additional Personal Accident benefit available up to US$500,000

CONTACT US:

We at Navigator are always on hand 24/7 to assist:

Call or WhatsApp:

  • Clive Wolstencroft : +852 9833 7335
  • Romi Gill : +852 9094 8602
  • Robin Brown : +852 5917 2530

Our 24-hour emergency hotline: 2530 2530

As Pacific Cross is not, itself based in Hong Kong (but rather Western Samoa), we are required to have clients sigh a 'Notice to Client' form, indicating that they understand the insurer is not set up in Hong Kong.

*Policy Brochure/Policy Wording/ Application form/ Claim form attached*

Download all as zip

Travel Insurance in a time of Covid 19 details

Atlas Travel

WorldTrips offers was formerly known as Tokio Marine HCC.

WorldTrips offers a variety of travel medical and trip cancellation insurance plans to meet the needs of individuals, groups, and organizations across the globe.

Its key product is called Atlas Travel which allows you to tailor yourl plan by choosing your deductible, coverage length, and overall coverage maximum.

Atlas Travel Is Designed for Global Travelers Seeking:

  • Coverage for unexpected medical expenses, including COVID-19-related expenses

  • Emergency Medical Evacuation benefit

  • Supplemental travel benefits including Trip Interruption, Travel Delay, and Lost Checked Luggage

Cancellation:

Premiums may be refunded after the certificate effective date subject to the following provisions:

  1. A $25 cancellation fee will apply for administrative costs incurred by WorldTrips; and

  2. Only the unused portion of the plan cost will be refunded; and

  3. You cannot have filed any claims to be eligible for a premium refund.

U.S. Preferred Provider Organization (PPO)

This insurance policy offers the option of a PPO network for medical treatment received in the United States. If you choose to seek treatment from a PPO provider, billed charges for eligible expenses may be reduced and Insurer will remit payment directly to the provider.

Member Eligibility:

U.S. Citizens and Non-U.S. Citizens who are at least 14 days of age are eligible for coverage outside of their home countries, except as provided under home country coverage. U.S. Citizens and residents are not eligible for coverage within the U.S, except as provided under home country coverage or an eligible benefit period. Individuals age 65 to 79 as of the certificate effective date are subject to a $100,000 overall maximum limit or less. Individuals age 80 and over as of the certificate effective date are subject to a $10,000 overall maximum limit.

Related Products include:

  • Atlas Group
  • Atlas Premium
  • Atlas Multitrip

Download all as zip

Vumi Travel vip

The VUMI Travel VIP Plan has taken over the market formerly occupied by BUPA Global, which had inherited the global travel plan from ihi Danmark A/S.

Key Features:

Each VUMI Travel VIP plan comes covers you, amongst other things for

  • Lifetime cover up to age of 70 of USD 5,000,000
  • Maximum cover at the age of 70 to 80 of USD 500,000
  • Stable pre-existing conditions of USD 500,000
  • Outpatient physician specialist visits, hospitalizaation and prescription medication all 100% covered
  • Non-professional hobbies and sport: Non-motor up to USD 500,000 and Motor up to USD 100,000

There are two coverage options, ie:

SINGLE TRIP

  • Choose the days you are traveling and get full medical coverage for one single round trip.

  • Easily extend your coverage as many times as needed up to a maximum of 365 consecutive days.

ANNUAL TRIP

  • Get full medical coverage for all your travels within a year, with a maximum of 30, 45 or 90 consecutive days on the same trip, according to the selected option.

  • Easily extend your coverage if one of your trips exceeds 30, 45 or 90 consecutive days for an additional daily premium.

RIDERS

Customize your coverage to add extra protection with one or both of the following optional riders:

NON-MEDICAL RIDER:

Get additional, non-medical benefits when traveling abroad, including:

  • Baggage delay, theft, loss or damage.

  • Travel delay or missed flight connection.

  • Passport or cash theft.

  • Personal liability: bodily injury and property damage.

  • Accidental death and dismemberment.

  • Hospital daily benefit.

  • Legal assistance.

TRIP CANCELLATION:

Get coverage in case you are unable to travel or the trip has to be cancelled because

  • Insured or a close relative becomes seriously ill or insjured, requiring Hospitalizatioon or dies.
  • The Insured is declared medically unfit to travel;

  • The Insured is not able to be vaccinated due to pregnancy; or

  • The corresponding authorities advise against all travel to the

    destination of the trip, as long as the situation has arisen after the Insured has purchased this Policy.

Payment: You can pay by credit card (Visa/Master/Amex) only.

If you do not wish to disclose the credit card information to us then you can pay via online and get the policy documents.

Click on the link for payment: https://agentsportal.vumigroup.com/index.php/applications_web/login

You can login by using application number and registered email address.

After purchasing VUMI Travel VIP, you can download policy documents and your Travel VIP card from the MyVUMI mobile application, available on Google Play™ Store or the Apple® App Store®

  • Review general information.

  • Extend coverage.

  • Renew your annual policy.

  • Download documents.

  • Submit a claim.

www.myvumiportal.com

Eligibility:

  • Eligible to buy outside of your Country of Residence
  • Must be purchased prior to departure
  • Reside in a country other than the United States of America (USA), Canada, or any of their territories.
  • Be up to 79 years old

CONTACT US:

We at Navigator are always on hand 24/7 to assist:

Call or WhatsApp:

  • Clive Wolstencroft : +852 9833 7335
  • Romi Gill : +852 9094 8602
  • Tess Suliwan : +852 9801 1009
  • Robin Brown : +852 5917 2530

Our general email is crew@navigator-insurance.com

There is as well the 24/ 7 Vumi team for emergency services, non-medical assistance, eligibility, cancellation, general assistance, notifications, claims and medical pre-authorizations

Call +1-416-744-3870 or +1-888-809-3493, or email travelvip@vumigroup.com

FREQUENTLY ASKED QUESTIONS

For a complete list of benefits, click here to download the Travel VIP Informative Booklet.

Policy Documents

Download all as zip

Generali Bravo Travel Protector

In Hong Kong, the company "Assicurazioni Generali S.p.A." better known as "Generali'' is a branch of the Italian parent.

Generali's "Bravo Travel Protector" was awarded the “Best Travel Insurance Product” at the 2020 International Finance Awards.

Key Features:

  • Medical Expenses are covered up to HK$1,500,000
  • No excess / deductible for all benefits
  • Extended coverage of personal accident with no additional premium
  • Enhanced benefits in case travel delay
  • Extended coverage for missed journeys, overbooking, unused ticket etc
  • Optional Cruise Benefit to provide a more comprehensive travel protection
  • Mobile phone loss / damage is covered up to HK$2,500 per item
  • Coverage includes protection for:
  • Sickness
  • Accident, including all kinds of leisure sports
  • Natural disasters (e.g. earthquake, tsunami)
  • Acts of terror
  • Personal items, devices and sporting equipment
  • Medical Expenses cover poisoning (e.g. SARS, Bird Flu, Dengue Fever)
  • Single Trip Travel Plan extends automatically for up to 10 days if the trip is unavoidably delayed.

Trip Duration:

  • 182 days for Single Trip Travel Plan
  • 120 days for Annual Travel Plan

Age limit:

  • For Single Trip Plan: 0-79
  • For Annual Travel Plan: 0-72

Three types of plans:

  • Standard Plan (Maximum coverage up to HKD 500,000)
  • Classic Plan (Maximum coverage up to HKD 1,000,000)
  • Premier Plan (Maximum coverage up to HKD 1,500,000)

***All insured must be Hong Kong residents and hold a valid HKID Card***

Claim procedure:

Please inform us directly. We will advise you the next steps.

CONTACT US:

We at Navigator are always on hand 24/7 to assist:

Call or WhatsApp:

  • Clive Wolstencroft : +852 9833 7335
  • Romi Gill : +852 9094 8602
  • Robin Brown : +852 5917 2530

Our 24-hour emergency hotline: 2530 2530

Generali's 24-hour emergency hotline 2521 0707

Bravo has no application form. We can issue the policy via online system.

*Policy Brochure/Policy Wording/ Claim form attached*

Download all as zip

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Contact Us
Email: crew@navigator-insurance.com
Call: +852 2530 2530
Fax: +852 2530 2535

A Message From our CEO

Address:
Navigator Insurance Brokers Ltd
Unit E, 8/F Golden Sun Centre
No. 59-67 Bonham Strand West
Sheung Wan, Hong Kong