Travel Insurance
For travel enthusiasts, buying insurance for every trip is time-consuming and expensive. With Annual Travel Insurance, one policy covers all your travels for the year — giving you unlimited protection for every destination, whether it’s a short weekend trip, an extended business assignment, or a family holiday abroad.
Who Needs Travel Insurance?
Travel Insurance is most valuable for people who travel regularly from Hong Kong — whether for leisure, business, or family reasons — and want protection against the unexpected costs that can quickly derail a trip. It’s especially relevant for expats who travel across Asia often, take
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multiple trips per year, or have complex itineraries that include stopovers and multiple destinations.
It’s also important if you want clarity before you leave, because travel problems rarely come as a single simple expense. A medical visit overseas can turn into hospital admission, specialist treatment, medication, and follow-up care. A delayed flight can trigger extra accommodation, meals, and rebooking costs. Lost luggage can mean emergency replacement items. These costs stack up fast — and without the right policy structure, travellers can be left paying far more than expected.
Possible Pitfalls We Help You Avoid
This is where experience matters, because travel policies can look similar until you need them. One common issue is assuming that “medical cover” means full protection. In reality, travel insurance often includes limits, exclusions, and strict definitions — especially around
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pre-existing medical conditions, pregnancy-related issues, and what counts as an emergency.
Another frequent pitfall is misunderstanding what’s covered when trips change. Many travellers assume cancellations and delays are always included, but policies can differ significantly on trip cancellation, trip curtailment, missed connections, and whether cover applies for airline schedule changes, weather disruptions, or events outside your control. We help you understand exactly how the policy responds before you buy — not after you’re stuck overseas.
We also see confusion around activities. People book skiing, diving, hiking, or adventure tours and assume they’re covered — but some insurers restrict or exclude higher-risk activities unless specifically included. We guide you to the right level of cover based on how you actually travel, so you don’t discover exclusions at the worst possible time.
Why Work With Expat Insurance?
We regularly speak with expats who thought they had travel cover through a credit card, employer benefit, or a “basic policy,” only to find gaps when they needed help most. In many cases, there was some protection — but it was limited, conditional, or only applied if the trip
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was purchased in a specific way. These are not obvious issues when comparing policies quickly online.
Another common problem is assuming that travel insurance is only about luggage and flight delays. In reality, the biggest risk is often medical. Treatment overseas can be expensive, and the real stress comes from the admin — arranging care, handling hospital deposits, coordinating approvals, and managing emergency support while travelling. We help you choose cover that provides the right assistance, not just a brochure of benefits.
For business travellers and frequent flyers, there’s also the issue of consistency. One-off policies can leave gaps across multiple trips, while annual multi-trip plans can vary in limits per trip, maximum travel days, and region restrictions. We make sure your cover matches your travel pattern — with fewer risks and fewer unknowns.
What Does Typical Cover Include?
Travel Insurance can be structured for single trips or annual multi-trip travel, and may include benefits such as emergency medical expenses, hospitalisation, medical evacuation / repatriation, and 24/7 assistance services. It can also include protection for trip cancellation, …
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trip disruption, travel delays, lost or damaged baggage, and personal liability, depending on plan design.
A key focus is ensuring you’re protected not only for the obvious travel inconveniences, but for the real-world costs that appear when plans change — extra accommodation, replacement flights, urgent medical care, specialist treatment, and unexpected follow-up expenses. Done properly, travel insurance is built to protect you from the “domino effect” of one disruption turning into multiple financial losses.
Let's Get Your Insurance Done Right
We know travel can be unpredictable — and so can travel insurance. That’s why we simplify the process, ensuring you have the right protection without overpaying. With Expat Insurance, you get flexibility, faster claims, and expert support.
We assess your travel patterns.
We analyse your frequency, destinations, and risks to design the right plan for you.
We compare multiple insurers.
We compare premiums and conver from trusted global insurance providers.
We handle everything for you.
We proactively assist with claims and renewals.
We stay connected.
Wherever your travels take you, Expat Insurance remains your partner in protection.
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How Can We Help you?
Fill in your details, we’ll be in touch to answer your questions. No hard sell. Just the friendly help you need. We’ll get back to you to you within 24 hours. Or on the next business day if it’s now after hours.
Why Choose Annual Travel Insurance?
Unlike single-trip plans, annual coverage offers continuous protection for all your journeys within a 12-month period — ideal for anyone who travels several times a year. It covers medical emergencies, cancellations, lost belongings, and disruptions, all in one convenient package.
What Does Annual Travel Insurance Include?
Worldwide Medical Coverage – emergency care, evacuation, and repatriation
Trip Cancellations & Delays – compensation for flight disruptions and cancellations
Lost or Damaged Baggage – coverage for personal belongings, electronics, and luggage
Personal Liability Abroad – protection if you accidentally cause injury or damage overseas
Travel Documents & Money – cover for loss of passports, cash, or credit cards
Rental Car Excess – reimbursement for excess charges after an accident
24/7 Global Assistance – emergency support wherever you travel
Possible Pitfalls We Help You Avoid
Overlapping coverage: Some company or credit card plans already include partial travel benefits. We help avoid duplication and wasted cost.
Single-trip limits: Buying insurance each time adds up. We provide annual coverage for unlimited trips with better value.
Missed connections: Some policies exclude multi-leg journeys. We include comprehensive trip interruption protection.
Medical exclusions: Many low-cost travel plans cap medical coverage. We ensure robust limits and full evacuation benefits.
At Expat Insurance, we’ve helped countless clients recover from trip disruptions, medical emergencies, and baggage mishaps — quickly, efficiently, and fairly. With us, you travel smarter, safer, and stress-free.
Need Help? Contact Us Today.
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Our Simple Process
Talk to us about your needs
We learn your budget, lifestyle, and health priorities.
Compare your best options
We present suitable plans side-by-side in clear language.
Get you insured quickly
We handle the applications, forms, and negotiations.
Stay with you long-term
Each year, we review your policy and help with claims.
testimonials
Why Our Clients Are Satisfied
Our service consistently exceeds expectations. But don’t just take our word for it—here’s what our customers have to say!
Real Stories That Show the Difference
An airline executive broke his ankle and faced a HKD 270,000 hospital bill. His company scheme only covered half. A broker-arranged plan filled the gap, saving him HKD 120,000.
A young expat couple secured comprehensive cover before starting a family. When faced with complications, their policy saved them from six-figure maternity costs.
An American professional developed cancer just months after taking out coverage. Because he had comprehensive, worldwide cover, he was able to choose treatment both in the US and Hong Kong.
These situations aren’t unusual — they are part of everyday life in Hong Kong, where one hospital admission, accident, or sudden illness can rapidly turn into a financial emergency. Whether you are protected or left exposed often depends on one simple factor: having the right insurance policy in place.
Protect What Matters With Confidence
Don’t wait until an emergency strikes to realise your coverage isn’t enough. With expert guidance from Expat Insurance, you can be certain that your health, home, and future are fully protected.
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