Hong Kong Travel Insurance by Avo
Medical · Trip Cancellation · Baggage · Flight Delay Coverage

1. At a Glance

Insurance Provider	Avo Insurance (Hong Kong licensed insurance company)
Basic Plan	From HKD 48 / day
Standard Plan	From HKD 128 / day
Premium Plan	From HKD 380 / day
Core Coverage	Medical, trip cancellation, baggage, flight delay, personal liability
How to Buy	Online on Klook, instant activation
Suitable For	All travellers visiting or transiting through Hong Kong

2. Why You Need Travel Insurance for Hong Kong

Many visitors think "Hong Kong is safe, so I don't need insurance" — but safety and financial risk are two different things. Travel insurance protects against financial loss, not just physical harm. Here are real scenarios you could face:

• Sudden illness or accident: Hong Kong public hospital emergency rooms charge from HKD 1,230 for non-residents (excluding tests and drugs), and private hospitals run HKD 5,000–15,000 per night. Travel insurance covers up to HKD 1,000,000 in medical costs.
• Flight delay or cancellation: Typhoon season (June–October) sees significantly higher flight delays at Hong Kong airport — 6+ hours is common. Insurance reimburses extra accommodation and meals.
• Lost or damaged baggage: Baggage loss rates are 3x higher when connecting through Hong Kong. Insurance covers the value of items inside.
• Forced trip cancellation: Family illness, natural disasters, visa rejection, or other emergencies can force cancellation. Insurance covers non-refundable costs already paid.
• Personal liability: Accidentally damage someone else's property in Hong Kong — insurance covers third-party compensation claims.

In simple terms, travel insurance lets you spend HKD 48 to protect against losses of thousands. It costs less than a typical café lunch but can save you thousands in an emergency.

3. What Avo Travel Insurance Covers

Avo is a Hong Kong-licensed digital insurance company focused on simple, transparent, fast claims. Here are the main coverage areas:

1. Accidental Medical Coverage

Covers medical costs from accidents or sudden illness during travel — including clinic visits, hospitalisation, surgery, prescription drugs. Basic plan covers up to HKD 200,000; premium plan up to HKD 1,000,000. Also includes emergency medical evacuation — if local medical facilities are inadequate, the insurer arranges transfer to the nearest suitable hospital.

2. Trip Cancellation / Shortening Coverage

If you must cancel or cut short your trip due to any of these reasons, you're covered for non-refundable costs already paid (flights, hotels, activity tickets):

• Serious illness or accident of you or a close family member;
• Natural disaster or terrorism at the destination;
• Visa application rejection (proof required);
• Court order or jury duty.

Basic plan covers up to HKD 15,000; premium plan up to HKD 80,000.

3. Baggage Loss / Damage Coverage

Baggage lost, stolen, or damaged during transport is reimbursed at depreciated value. Also includes baggage delay allowance — if baggage is delayed over 6 hours, you get compensation for emergency purchases (clothing, toiletries, etc.).

4. Flight Delay Coverage

When flights are delayed over 6 hours, you receive a cash allowance for extra accommodation and meals. Premium plan pays HKD 500 per 6-hour delay, up to HKD 3,000. This is especially valuable during typhoon season in Hong Kong.

5. Personal Liability Coverage

If you accidentally injure someone or damage property, insurance covers your legal liability — up to HKD 2,000,000. For example: breaking hotel equipment or injuring someone in a public space.

6. Additional Coverage

• Travel document loss: Costs of replacing lost passport or ID and extra transport;
• Personal cash: Coverage if stolen cash is carried (limited amount);
• 24-hour emergency hotline: Global telephone medical advice and emergency assistance.

4. Plan Comparison

Coverage	Basic Plan	Standard Plan	Premium Plan
Accidental Medical	HKD 200,000	HKD 500,000	HKD 1,000,000
Trip Cancellation	HKD 15,000	HKD 40,000	HKD 80,000
Baggage Loss / Damage	HKD 3,000	HKD 8,000	HKD 15,000
Flight Delay (per 6 hours)	HKD 200	HKD 350	HKD 500
Personal Liability	HKD 500,000	HKD 1,000,000	HKD 2,000,000
Emergency Medical Evacuation	Included	Included	Included
24-Hour Hotline	Included	Included	Included
Reference Price	From HKD 48	From HKD 128	From HKD 380

Recommendation: Most travellers choose the Standard Plan — HKD 500,000 medical coverage is sufficient for Hong Kong medical costs, and trip cancellation coverage handles flights + hotels. Upgrade to Premium if you carry valuable items (camera, laptop) or travel in typhoon season (June–October).

5. Who Should Especially Consider Travel Insurance

• Family travellers: Travelling with children increases accident risk; kids get sick easily in unfamiliar environments.
• Older adults: Risk of sudden illness increases with age, and medical costs are typically higher.
• Typhoon season travellers (June–October): Flight delays become much more likely; delay coverage is invaluable.
• Business travellers: Carrying expensive gear (laptop, tablets) — baggage coverage is important.
• Independent travellers: No tour operator to back you up; you bear all risk yourself.
• Connecting passengers: Luggage loss rates are 3x higher when connecting through Hong Kong.
• Large pre-paid bookings: High-priced hotels, show tickets, Michelin restaurant reservations — trip cancellation coverage protects your investment.

6. How to Buy Avo Travel Insurance on Klook

The entire purchase process is simple and takes about 5 minutes:

1. Go to the product page: Click the "Buy Now" button on this page — you'll be directed to Klook's Avo insurance page.
2. Choose your plan: Select Basic / Standard / Premium based on your needs.
3. Enter travel details: Destination (Hong Kong), departure date, return date, number of passengers.
4. Enter personal details: Full name (must match passport), date of birth, contact info.
5. Pay: Credit card, Apple Pay, WeChat Pay and other methods accepted.
6. Receive e-policy: Instant email confirmation of your e-policy — save on your phone, no printing needed.

The whole process is online; no phone calls required. Your policy is active immediately upon purchase. You can view policy details anytime in the Klook app before departure.

7. How to File a Claim

If you need to claim, follow this process:

1. Keep all documents: Medical receipts, airline delay certificates, police reports (if baggage stolen), receipts for emergency purchases.
2. Contact within 24 hours: Call the emergency number on your policy or file a claim through the Avo app.
3. Submit claim documents: Upload all supporting documents and complete the claim form online.
4. Await review: Avo commits to resolving simple claims within 5 business days; complex claims take up to 20 days.
5. Receive reimbursement: Payment is made directly to your nominated bank account.

Important: Each coverage has an excess (deductible) — the amount you pay yourself. Basic plans typically have HKD 500 excess; premium plans have lower or zero excess. Review the policy terms carefully before purchasing.

8. Tips for Buying Travel Insurance

• Buy early: Trip cancellation coverage is effective from the purchase date — buy as soon as you confirm your trip for maximum protection.
• Declare health conditions honestly: Pre-existing medical conditions are usually excluded. Misrepresentation may result in claim rejection.
• Photograph valuables: Before departure, photograph items in your luggage with serial numbers — useful for claims.
• Save all receipts: Keep a habit of saving receipts — especially medical, transport, and emergency purchase receipts.
• Understand exclusions: Extreme sports (skydiving, diving over 30 metres) are usually not covered by standard plans — buy add-ons if needed.
• Check credit card coverage: Some premium credit cards include travel insurance, but coverage limits are usually low and conditions strict. Use as a supplement, not a replacement.
• Family plans offer better value: If the whole family travels, family plans are 15–20% cheaper than individual policies.

9. Hong Kong-Specific Risks to Know

Hong Kong is generally very safe, but these risks deserve attention:

• Typhoons: June–October is typhoon season; when the No. 8 signal is raised, all transport stops and attractions close. Flight delay coverage is especially valuable during this period.
• Heavy rain: Black rain warnings bring serious flooding; slipping and falling injuries increase.
• Hiking accidents: Popular hiking routes (Lion Rock, Dragon's Back) are busy, and rescue operations for inadequately equipped hikers happen regularly.
• Water activities: Water sports in Sai Kung, Cheung Chau and other areas (kayaking, snorkelling) carry inherent risk.
• Food allergies: Hong Kong restaurants serve diverse cuisines; ingredient labelling is not always complete — be careful if allergic.

10. Frequently Asked Questions

Q: Do I need travel insurance for Hong Kong?

Not mandatory, but strongly recommended. Hong Kong medical costs are high (emergency visits from HKD 1,230, hospitalisation from HKD 5,100 per day). A basic plan from HKD 48 provides up to HKD 200,000 medical coverage.

Q: Does insurance cover COVID-related costs?

Standard Avo travel insurance typically covers medical costs for COVID diagnosis during travel. However, cancelling due to COVID is usually not covered — check your specific policy terms.

Q: When should I buy?

As soon as you confirm your trip. Trip cancellation coverage is effective from purchase date — earlier purchase = broader coverage. Latest should be 1 day before departure.

Q: Can one policy cover multiple destinations?

Yes. If your itinerary includes Hong Kong + Macau + Shenzhen, one policy covers the entire trip — just list all destinations when purchasing.

Q: How do I choose the right plan?

Short trip (1–3 days), young and healthy → Basic; family trip, 5–7 days → Standard; valuable items, elderly travellers, typhoon season → Premium.

11. Why Buy Through Klook

• Instant activation: Policy active immediately upon online payment, e-policy sent to inbox.
• Transparent pricing: All costs clear upfront, no hidden fees.
• Flexible cancellation: Free cancellation and full refund up to 24 hours before departure.
• Multi-language support: English and Chinese interface for different language preferences.
• One-stop management: Manage flights, tickets, and insurance together in the Klook app.
• Real user reviews: 2,000+ authentic reviews available to help you decide.
• Loyalty points: Earn Klook points on purchases, redeemable on future bookings.

From HKD 48 · Buy on Klook Now →