Heading to Hong Kong? Compare travel insurance policies designed for New Zealanders travelling to Hong Kong – covering medical expenses, trip cancellations, lost luggage, and more.
the benefits
Medical costs in Hong Kong can be significant if you require treatment at a private hospital, and the cost of emergency evacuation or repatriation to New Zealand can run into the hundreds of thousands of dollars. A comprehensive Hong Kong travel insurance policy covers emergency medical treatment, hospitalisation, surgery, and prescription medications, as well as 24/7 emergency assistance wherever you are in the city.
Hong Kong is susceptible to typhoons and tropical weather events that can disrupt travel plans at short notice. A comprehensive travel insurance policy purchased before a weather event is publicly announced covers trip cancellations, additional travel arrangements, and other costs incurred as a result of unforeseen weather disruptions.
While Hong Kong is one of Asia’s safer destinations, petty theft and opportunistic crime can occur, particularly in busy tourist areas. A comprehensive travel insurance policy covers lost, stolen, or damaged luggage and personal belongings – including theft of cash and travel documents – giving you financial protection throughout your trip.
If you are found legally liable for causing injury to another person or damage to their property while in Hong Kong, personal liability cover protects you against the potentially significant financial consequences of being held accountable under local laws and regulations – which do differ from those in New Zealand.
Hong Kong and the surrounding region offer a range of adventure activities, from hiking on Lantau Island to water sports and rock climbing. Cover for higher-risk activities varies between insurers, with some excluded from standard policies. If your trip includes any adventure activities, check the specific activity inclusions of your chosen policy before purchasing and add any necessary optional extras.
Our Hong Kong travel insurance comparison is completely free to use. You’ll be directed straight to the insurer’s website to complete your purchase at their direct price – no markups, no surprises.
Key Considerations
Some insurers price Hong Kong separately from broader Asia, which can result in a lower premium for travellers visiting Hong Kong only. If your trip includes mainland China or other Asian destinations as well as Hong Kong, make sure your policy covers all the countries you plan to visit. Always include every destination in your quote to ensure your cover is valid throughout your entire trip.
It’s always worth checking the New Zealand Government’s SafeTravel website before travelling to Hong Kong for the latest travel advisories. Travelling against a Do Not Travel warning will generally void your travel insurance cover for any incidents arising in the affected area, so staying informed before and during your trip is good practice.
Hong Kong travel insurance comes with important exclusions worth understanding before you travel. Claims will generally not be paid if you were under the influence of alcohol or drugs at the time of the incident, if your belongings were left unattended, or if you fail to report theft or loss to the relevant authority within 24 hours. High-risk activities – including rock climbing where ropes are required, cliff jumping, and skydiving – may also be excluded from standard cover.
Pre-existing medical conditions must be declared when purchasing Hong Kong travel insurance. Some conditions may be covered automatically, while others may require a medical assessment or attract an additional premium. Given that private medical costs in Hong Kong can be significant, it’s especially important to declare all relevant conditions upfront to ensure your cover remains valid and any related claims will be accepted.
There are several practical ways to reduce the cost of Hong Kong travel insurance. As some insurers price Hong Kong separately from Asia, it’s worth comparing destination-specific pricing carefully. Travelling with a partner or friend? A joint policy is often cheaper than purchasing individually. Increasing your excess can also reduce your premium, and frequent travellers may find that an annual multi-trip policy offers better value than purchasing a separate policy for each trip.
Many Kiwis visiting Hong Kong also take the opportunity to explore other destinations in the region, including mainland China, Japan, or Southeast Asia. If your itinerary extends beyond Hong Kong, make sure your policy covers all destinations you plan to visit, or consider a broader Asia or worldwide policy if your travel plans are likely to evolve during your trip.
further reading
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Read full guideget answers
Travel insurance is not a legal requirement for entry to Hong Kong. However, it is strongly recommended. Medical treatment at private hospitals in Hong Kong can be costly, and without insurance, the expense of emergency medical care, evacuation, or repatriation to New Zealand could be significant. Trip cancellations, lost luggage, and travel delays are also common risks that travel insurance protects against.
A comprehensive Hong Kong travel insurance policy typically covers emergency overseas medical expenses, emergency evacuation and repatriation, trip cancellation and curtailment, travel delays, lost or stolen luggage and personal belongings including cash and travel documents, personal liability, and 24/7 emergency assistance. Some policies also include additional benefits such as rental vehicle excess cover. Always read the Policy Wording carefully to confirm the specific inclusions and limits before purchasing.
Hong Kong is generally considered one of Asia’s safer destinations, with relatively low rates of violent crime. However, petty theft and opportunistic crime can occur in busy tourist and shopping areas, and it is always advisable to keep your belongings secure and stay aware of your surroundings. It’s also worth checking the New Zealand Government’s SafeTravel website for current travel advisories before your trip.
Common exclusions on Hong Kong travel insurance policies include incidents involving alcohol or drugs, belongings that were left unattended at the time of loss or theft, failure to report theft or loss to the relevant authority within 24 hours, and high-risk activities not covered under your specific policy. Pre-existing medical conditions that have not been declared are also typically excluded. Always read the Policy Wording carefully before purchasing to understand the full exclusions that apply to your policy.
Yes, if your trip includes other Asian destinations in addition to Hong Kong, you can select a broader Asia region or worldwide policy at the time of purchase to ensure cover applies throughout your entire itinerary. Some insurers allow you to add destinations to an existing policy, while others require you to select the appropriate region upfront. Always include every destination you plan to visit in your quote to ensure your cover is valid from the moment you depart New Zealand.
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