Travel Insurance Hong Kong

Yes, overall Hong Kong is very safe for tourists. However, there are a few risks to be aware of:

Typhoons in Hong Kong

Typhoons occur from April to October. You should check the Hong Kong Observatory for any warnings in advance. Remember, your travel insurance won’t cover you for any natural disasters that were forecast prior to you buying your policy.

Strict laws in Hong Kong

Hong Kong is subject to strict laws from Chinese authorities. People can be arrested for activities considered “anti-Chinese” even if they took place in their home country.

While in Hong Kong, you should avoid criticizing the government, either in conversation or online, as this could be considered to be breaking national security laws.

Whether you need a visa to travel to Hong Kong depends on your nationality and length of stay.

• Citizens of the United Kingdom and Macau permanent residents can visit Hong Kong visa-free for up to 180 days.
• Citizens of 85 countries, including the EU, United States and Australia can enter Hong Kong visa-free for up to 90 days.
• Citizens of 27 countries, including Thailand, can enter Hong Kong visa-free for up to 30 days.

Chinese citizens must acquire an entry-exit permit. For further information, visit the Hong Kong government website.

Dial 999—this is the emergency number in Hong Kong. Once you are safe or receiving medical treatment, contact the LUMA hotline included in your policy. Our medical experts will provide you with localized advice and guidance. 

The currency used in Hong Kong is the Hong Kong dollar, abbreviated as “HKD” or “HK$”. The Hong Kong dollar is issued by the Hong Kong Monetary Authority (HKMA) and is freely convertible. It is commonly represented by the symbol “$” or “HK$.”

Cantonese is the most widely spoken language in Hong Kong. It is used in everyday communication, government affairs, and media.

However, due to the territory’s colonial history and international status, English is also widely spoken and understood, especially in the business, education, and tourism sectors. Many signs, public announcements, and official documents are bilingual, written in both traditional Chinese and English.

The best season to visit Hong Kong typically depends on your preferences and what you want to experience during your trip. Here’s a breakdown of each season:

🌱 Spring (March to May):

Spring in Hong Kong offers mild and comfortable weather, with temperatures ranging from 18°C to 26°C (64°F to 79°F).

It’s an excellent time for outdoor activities such as hiking, exploring the city, and enjoying festivals like the Cheung Chau Bun Festival.

☀️ Summer (June to August):

Summers in Hong Kong are hot and humid, with temperatures often exceeding 30°C (86°F) and high humidity levels.

While it’s not the most comfortable time to visit due to the heat and occasional typhoons, you can still enjoy activities like visiting beaches, exploring indoor attractions, and indulging in water sports.

🍂 Autumn (September to November):

Autumn is considered one of the best times to visit Hong Kong due to its pleasant weather, with temperatures ranging from 20°C to 28°C (68°F to 82°F).

It’s a great time for outdoor activities, hiking, sightseeing, and enjoying cultural events like the 

Mid-Autumn Festival.

❄️ Winter (December to February):

Winter in Hong Kong is mild and cool, with temperatures averaging around 15°C to 20°C (59°F to 68°F).

While it’s the coolest time of the year, it rarely gets extremely cold, making it suitable for exploring the city, shopping, and enjoying outdoor activities without dealing with excessive heat.

Ultimately, the best time to visit Hong Kong depends on your preferences regarding weather, crowds, and the activities you want to experience. Many travelers prefer visiting during the spring or autumn when the weather is comfortable, and there are various cultural events happening around the city.

Hong Kong’s public transport system includes buses, taxis, ferries and trains. All are reliable and affordable. You can also hire cars or private drivers.

Hong Kong also hosts one of the world’s largest fleets of double decker street trams. These iconic streetcars take passengers through the north of Hong Kong island. 

We recommend buying an Octopus Card. This is a reloadable contactless smart card that you can use to pay for public transportation. It’s the easiest way to get around Hong Kong and save money on fares. 

You can also use it to pay for:

• Convenience stores 
• Restaurants 
• Attractions. 

When you arrive at Hong Kong International Airport, you can buy an Octopus card and use it right away on the Airport Express train. 

The Airport Express is part of Hong Kong’s MTR system, and it takes you from the airport to Central Station in just 24 minutes. You can also transfer to other MTR trains for free, so you can get to your final destination without paying another fare.